As the temperatures have dropped, so will the rate on our discounted 3-year variable to 75% LTV!
3-year discount 75% LTV at 4.14%
Our SVR will decrease to 6.00% on 22 January 2026, meaning this rate will be lowered to 3.99%!
Is now a good time to consider a discounted variable mortgage for your clients?
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A discounted variable mortgage offers a reduction on our Standard Variable Rate (SVR), which can move when changes are made to the Bank of England Base Rate. This means the interest rate – and monthly payments – can go up or down during the mortgage term. However, clients will always benefit from the agreed discount off our SVR. If our SVR decreases, their payments will also reduce.
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Our SVR is among the lowest in the industry, and you can view its performance against the Bank of England Base Rate over the past five years here.
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Additional benefit: During the Early Repayment Charge (ERC) period, clients can make overpayments of up to 20% of the original loan amount per year on discounted products (compared to 10% on fixed-rate products).
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Also! 2026 is set to be a busy year for remortgages and our Title Insurance offering with this product removes the need for solicitors and offers a remortgage service in a timely manner. We take care of any redemption to the existing lender, remove the need for property searches and set up the date of completion to suit you and your client. There are some exclusions where title insurance cannot be offered, and a solicitor may still be required.
Don't forget!
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Our convenient instant chat is available Monday-Friday, 9.00am to 5.00pm. (from 9.30am on a Wednesday)
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We don't credit score - each and every case is assessed on individual merit and circumstances.
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Our underwriting process is tailored - no one size fits all.
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We consider all types of income and a range of currencies.
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You can now book an appointment with a BDM with our new online booking system here.