First Active

First Active plc is a Royal Bank of Scotland Group Company with a long history of providing successful and innovative mortgages in Ireland. Now the benefits of First Active mortgages are available to people in England, Scotland and Wales.

We've taken a fresh approach to mortgages

We've made them simple and easy to arrange
No extended tie-ins – just the deal your customer signs up for
Rates that start low and stay competitive

We'll do everything we can to make your life easy too

Instant decisions over the phone – or faxed decisions within three hours
Offers out within twelve working days
Good communication at every stage

That's the way mortgages are meant to be.

If you're not registered with First Active simply First Active to access our registration form on our website.

First Active Mortgage product information

At First Active we take a fresh approach to everything - from the mortgages we offer to the way we do business:

First Active Mortgage

The products your clients want - simple mortgages with rates that start low and stay competitive.
The service you need - quick decisions, dedicated support and good proc fees.

Fixed Rate Mortgages

Range of competitive fixed rate deals
Choice of fixed period - up to September 2007 or up to September 2010.
After the deal ends, the interest rate will track the Bank of England rate - it won't go up or down for any other reason.

Deal 1 - 4.99% fixed until 30 September 2007
5.74% variable after that
The overall cost for comparison is 5.8% APR

Deal 2 - 5.15% fixed until 30 September 2010
5.74% variable after that
The overall cost for comparison is 5.7% APR

Discount Mortgages

Choice of discount periods - 2 years, 3 years or until September 2010
The interest rates will only go up or down with the Bank of England rate
When the discount ends, customers will pay one of the lowest long-term rates on the market

2 year discount
4.99% variable for 2 years
5.74% variable after that
The overall cost for comparison is 5.8% APR

3 year discount
4.99% variable for 3 years
5.74% variable after that
The overall cost for comparison is 5.7% APR

Base rate mortgage
4.75% variable until 30 September 2010
5.74% variable after that
The overall cost for comparison is 5.5% APR
To be able to offer such a good deal, the rate will not fall below 4.00% during the deal period - no matter what happens to the Bank of England rate

Stepped Mortgages

Offers the lowest starting payment Rate increases over the deal period as your customer can afford to pay more
Ideal if customer is expecting their income to increase in the coming years.
3 Year
4.54% variable for the 1st two years
5.34% variable for 3rd year
5.74% variable after that
The overall cost for comparison is 5.7% APR
5 year
3.64% variable for the 1st year
4.94% variable for the 2nd year
5.74% variable for the 3rd year
6.24% variable for the 4th year
6.64% variable for the 5th year
5.74% variable after that
The overall cost for comparison is 5.8% APR

If you're not registered with First Active simply First Active to access our registration form on our website.

First Active Mortgage - First Active is a registered trademark of First Active plc and is used under licence

Visit First Active's stand in the Financial Services Webshow

First Active mortgages for intermediaries virtual stand in the Financial Services Webshow offer information about fixed rate mortgage, discount mortgage, stepped mortgage.

Hall 1 Financial Services sitemap