We endeavour to ensure that your journey from your initial enquiries for your new mortgage or insurance all the way through to paying your Direct Debit is smooth and informative. In the last 10 years we have seen some of the lowest mortgage rates of interest offered, but this might be about to change as the Bank of England raised its Base rate of Interest. If this hasn't already started to confuse you with all the jargon being floated around then some of the points below may help you to understand some of the more important parts of the mortgage process. The SVR - or standard variable rate - is the normal interest rate at which lenders offer a home loan, without any discounts or deals. This is the rate that you naturally transfer onto when your current fixed rate or tracker rate finishes. You are no longer tied under contract to the lender when you reach this rate
