Historical lender archive · First Direct
Historical First Direct mortgage lender requirements
Lexsure has tracked First Direct’s mortgage lender requirements in Scotland from 2021 to the present, retaining changes to its requirements over time. Select your completion date and issue to check what was recorded for First Direct at that point.
Region England & Wales Northern Ireland Scotland
Recorded changes are changes to the lender’s requirements captured by Lexsure in Scotland during the archive coverage period.
Check First Direct’s historical requirements
Select the date your transaction completed and the issue you are investigating.
Why does the completion date matter?
Mortgage lender requirements change over time. What First Direct requires today may not be what First Direct required when your transaction completed. Lexsure’s archive lets you check the requirement recorded for the relevant historical date, rather than relying on today’s handbook.
First Direct historical mortgage lender requirements by year
Looking for First Direct requirements from a particular year? The table below shows the years covered by the Lexsure archive in Scotland and the number of changes recorded in each year.
| Year | Recorded changes | |
|---|---|---|
| 2021 | 3 | Check this year → |
| 2022 | 4 | Check this year → |
| 2023 | 12 | Check this year → |
| Year | Recorded changes | |
|---|---|---|
| 2024 | 4 | Check this year → |
| 2025 | 4 | Check this year → |
| 2026 | 3 | Check this year → |
First Direct requirements we can investigate
Lexsure tracks 30 lender-instruction topics covering a wide range of property and conveyancing issues, including:
Explore all lender issuesGet your First Direct historical record
Tier 1 · The fact
Lender Snapshot
What did my lender actually require?
One lender. One historical date. Your lender's complete Part 2 record, date-stamped and as in force on the date you choose, retrieved under its archive reference. The historic record, nothing more, nothing less. You receive the complete record whether or not it contains express wording on the issue you are investigating.
Get my historical recordTier 2 · The market
Market Context Report
What did other lenders require on the same date?
Everything in the Lender Snapshot, plus the recorded requirements on your chosen issue of every other lender for which Lexsure holds an applicable record, each as in force on that same specific date. The report displays each lender's own historical wording so you can see whether your lender's position was unusual; it does not classify, grade or interpret it.
Requires a specific issue.
Get the Market Context ReportNeed something more detailed for an existing dispute or litigation? Professional Services →
Could the historical requirement help explain a conveyancing problem?
If you are investigating whether something may have been missed during your original conveyancing, the lender requirement that applied at the time may be important evidence. Lexsure can help identify the historical record and, where appropriate, can introduce you to a specialist conveyancing negligence solicitor at no cost to you for the introduction.
Speak to LexsureLexsure may receive a fixed introduction fee from the solicitor firm if you choose to proceed. This does not affect the cost to you.
How can Lexsure tell me what First Direct required years ago?
Tracked historically. Not reconstructed from today’s rules.
Lexsure has monitored and retained historical First Direct mortgage lender requirements and subsequent changes. That means we can identify the requirement recorded for First Direct on a particular historic date, rather than simply showing what First Direct requires today.
How the archive is created and verifiedAre you a solicitor, insurer or lender?
Lexsure also provides historical lender analysis for litigation, professional negligence investigations, portfolio reviews and institutional use.