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First Steps




The Extra Mile

Fixed Rate

This is best if you need to budget. You pay a fixed amount for a set length of time. At the end of the term you will generally move to the lenders SVR. Normally penalties apply if you try to exit the mortgage during the fixed period.


These rates follow or ‘track’ the Bank of England’s base rate or another base rate. So they will go up and down in line with the agreed base rate.

Discounted Rate

The interest rate is lower to begin with and then you move to another rate after an agreed period (normally the lenders SVR).

Standard Variable Rate

Mortgage payments go up or down depending on the lenders standard interest rate.
This rate isn’t linked directly to the Bank of England’s base rate – it’s set by individual lenders.