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first direct: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 4.54 (41 reviews)

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4.53

Based on 41 reviews, last reviewed 18th Apr 2024

No new 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

Top bank First direct came up the best deal on comparison site. I already have a current account with First Direct and have never had any problems, always able... Read more Reviewed on: 18th April 2024

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

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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.

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first direct Fixed Rate Mortgage reviews (41)

Competitive rates, reassuring service

Good homeowner loans and mortgage deal, great customer service and online security Reviewed on: 30th April 2017

Shambles

One mistake after another in mortgage application. Has taken months and still not resolved. Nobody at their side least bit helpful. Couldn't care less and just shunt you around different people who tell you different lies. Just about to lose the house thanks to their incompetence Reviewed on: 19th March 2017

Simple but it works

Have had this for a while and always easy to deal with - changes to rates are dealt with efficiently and customer service is always excellent. Reviewed on: 12th January 2017

Excellent Service

Excellent customer service with calls answered quickly and by informative and helpful staff Reviewed on: 14th November 2016

Appalling customer service

I am a long-standing customer of FD but will be looking for a new provider after my recent experience of applying for a mortgage. Dreadful service from start to finish! Reviewed on: 10th November 2016

Great service at a great rate!

I have only recently changed my mortgage to First Direct, and I was very impressed by the process. Their own conveyancers provided me with access to an online tracker so that I could see exactly what stage the remortgage was at, and could upload documents to them as needed. Now that the mortgage is active, I have a great interest rate (with no fees, bonus!) and can overpay at any time through the online banking. If I ever need to phone the mortgage team, they answer straight away, 24/7, and are friendly and helpful. The one small downside is that I can't see the balance of the mortgage online, which is a little disappointing from an online-only bank. However the product and service are so good that I can easily forgive this little flaw. Reviewed on: 5th September 2016

Awful Mortgage department

Just a shambles Took months to process a mortgage. Well beyond their stated target As a result I lost the house and an currently searching for another Terrible communication Even the complaints procedure is non functional I believe they used to be good but nowadays avoid The WORST bank I have ever dealt with Reviewed on: 9th June 2016

Best bank

My favourite bank and best for customer service by a mile Reviewed on: 28th March 2016

overpay then payoff

My first direct mortgage allowed me to overpay then pay off my loan more quickly than i would have done otherwise. Staff in call centre are most helpful and proactively ensure you are receiving the right service. Couldn't fault them! Reviewed on: 12th February 2016

Sticking with First Direct

We got our first mortgage with First Direct because they had the best combination of rates/fees for us at the time. When our fix came to an end, they weren't quite the cheapest option, but the service we got from them was well worth the price to stay with them. We spent over 2 hours on the phone with an advisor chatting about our various options, which saved us tons of money and time (he did a computer-based valuation of our home which lowered our LTV by 15%). The process to re-fix was simple and straightforward - I kept calling up to confirm things because it seemed too easy! The only things I wish they would do: 1) display the mortgage balance on your online account rather than having to wait for a text alert the next day, 2) adjust their interest rate calculation so that it follows calendar months (ours is offset by 10 days based on when we got our mortgage). Those are very minor complaints though! Reviewed on: 29th January 2016

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