Write a review

first direct: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 4.55 (42 reviews)

View other first direct products

4.54

Based on 42 reviews, last reviewed 26th Feb 2025

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

86%

2 star

10%

Latest highest rating:

5

First direct, First for Quality and Service First direct answer the phone quickly by UK based call handlers, who are friendly, knowledgeable and professional. Can’t fault them. Reviewed on: 26th February 2025

Latest lowest rating:

1

Worst experience getting a mortgage Took months and months to sort out mortgage as none of the advisors seemed to be consistent. Called up to see if they were waiting for any info from ... Read more Reviewed on: 11th April 2023

Read all reviews See your review

About this product

Banking services provider, First Direct, is a division of HSBC. First Direct offers a variety of financial products and services, including a range of mortgage products. A fixed rate mortgage has a set interest rate for a certain period, usually between two and five years, but sometimes up to ten. Don’t hesitate to speak with the lender or an independent advisor if you need help understanding your mortgage options.

Finding the right mortgage can be difficult with so many on the market. We collect First Direct fixed rate mortgage reviews to give you the insight needed to make an informed decision. Be confident in your new mortgage by reading genuine customer reviews.

Find out why homeowners chose First Direct’s fixed rate mortgage and read about the main pros and cons they’ve experienced so far. Learn more about the application process and how supportive the lender was throughout. Read about genuine experiences with the customer service team to find out how well First Direct handles its customers issues. All of this and more can be found in our First Direct fixed rate mortgage reviews.

If you took out First Direct’s fixed rate mortgage, write an honest review on Smart Money People. Why did you choose this mortgage and have you been satisfied so far? How supportive has First Direct been from start to finish? What are the main pros and cons you’ve experienced? Has the lender kept you up to date with any important mortgage news or changes? Whether good or bad, write a First Direct fixed rate mortgage review today. Together, we can help people like you make better financial decisions.

first direct Fixed Rate Mortgage reviews (42)

Review of the first direct, Fixed Rate Mortgage:

Worst experience getting a mortgage

Took months and months to sort out mortgage as none of the advisors seemed to be consistent. Called up to see if they were waiting for any info from us, told no. Then mortgage delayed because they hadn't sent us the correct forms to complete and send back. My advice would be go to a high street lender when you get advisors who know what is going on and are keeping on top of proceedings. Reviewed on: 11th April 2023

Great service and product, again!

Love First Direct, easy to deal with - great attitude, focus and efficiency. Felt the 5 year fixed rate mortgage identified through the engagement process was perfect for me as it offers peace of mind knowing my monthly payment at an very competitive rate of interest. Thanks again to First Direct. I would thoroughly recommend them. Reviewed on: 28th April 2020

fantastic customer service

respond so quickly and effectively to all our queries. as well as having our mortgage with them we also have our current accound and savings, so handy to have all in one bank and great rates. Love this bank. Reviewed on: 27th April 2020

Great service great deals

Love that the deals are always fair and the service friendly and fast Reviewed on: 9th February 2020

Flexible approach

We are able to overpay by any amount meaning we can pay off the mortgage earlier and less interest. Reviewed on: 5th February 2020

Amazing service

Great mortgage rates and helpful staff who make the process of applying for a mortgage so straight forward Reviewed on: 19th January 2020

excellent customer service

fabulous staff who know what they are talking about and very quick responses to all enquiries Reviewed on: 13th September 2019

First Direct Awesome

fantastic mortgage and savings advice pre and post account set-up. So accessible, friendly, professional and informative, takes the stress out of banking Reviewed on: 28th April 2019

Mortgage

Convoluted application process. Reviewed on: 30th January 2019

Putting customers first

Service is always outstanding with First Direct - every time I call they are only helpful. Never had a problem with their service. Reviewed on: 23rd November 2018

Excellent Customer Service

I love this company and we have our mortgage, credit cards and saving account with them. Rates are competitive but what stands out is the customer service which is extremely efficient and best I have ever received. Reviewed on: 8th November 2018

Do you have a different first direct product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Mortgage
from The Mortgage Branch 0.00 from 0 reviews
Fixed Rate Mortgage
from Newcastle Building Society 4.50 from 7 reviews
Mortgages
from Chorley Building Society 4.90 from 246 reviews

There's still more to see!

first direct has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub