Direct Line Mortgage

Direct Line pioneered the direct selling of car insurance, home insurance and travel insurance, and now you can apply for a Direct Line mortgage too. The site is nice and friendly, there's a good range of products to choose from, and interest rates are low – from 4.8% APR.

Direct Line shook up the car insurance industry when it cut out the middleman and sold direct to customers, and the firm promises to offer similarly good deals to anyone that applies for a Direct Line mortgage. The site is simple to navigate and provides all the information you need without getting too scary or making you wade through loads of small print.

The range of products covers the usual products – fixed rate, variable rate, flexible and 100% mortgages – and rates start at 4.8% APR variable, rising to 5.3% APR for a 100% Direct Line mortgage fixed for three years. The different mortgages are presented in a table for easy comparisons, and the firm stresses that it calculates interest daily so you don't pay interest on sums you've already repaid. You can overpay to reduce interest charges, or take a payment break if money's tight.

• Direct Line Mortgage Website