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That's almost certainly not the actual overall cost though.
First Direct 3 year rate for <65% is 1.68% but that's just the daily rate they use to calculate interest. The APR is 3.3% over the term.
HSBCs best 5yr fixed is 1.99% but 2.9% APR. It also includes a cap of 20% on monthly repayments. First Direct is unlimited.
Soul
dst2
Shit the bed, I got the HSBC wrong - it is 1.99% for a 5 year fixed, not 2.99