Borrowers with 10-15% deposit or equity will be able to take advantage of these new repayment mortgage rates which are offered with and without fees:
 New 85% LTV 2 year Fixed rate Fee Free- 3.49%
 New 85% LTV 5 year Fixed rate Fee Free- 3.79%
 New 85% Tracker Fee Free - 3.49%
 New 90% LTV 2 year Fixed rate - 3.59% with £1,499 booking fee
 New 90% LTV 2 year Fixed rare Fee Free- 4.19%
Andy Forbes, head of retail products at first direct commented: "We continue to respond to customer demand and as a result have broadened the range of high LTV mortgages so that borrowers have a range of mortgage options that best suits their individual needs; be that for a fee-free, fixed or tracker rate."