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Standard Variable Rate Mortgage (SVR Mortgage)

Which is the better choice for property buyers, Standard Variable Rate (SVR) Mortgages or fixed rate mortgages? This is not as simple as flipping a coin, or picking a variable rate, SVR mortgage. The wrong choice could present you with an abundance of problems.

Before choosing which mortgage is the correct choice for your property purchase, it is best to research both mortgage types and become familiar with the pros and cons of each.


The choice between fixed and a Standard Variable Rate SVR Mortgage depends on the differing features of each and which one is more suitable for your interests. Other factors include the length of the time that you plan to own your house, your opinion of interest rates, and your financial situation.

Homeowners tend to spend more money on a fixed rate mortgage than a standard variable rate (SVR) mortgage. If you plan on owning your home for a very long time, a fixed home mortgage may just be the solution for you. On the other hand, a standard variable rate (SVR) mortgage is for homeowners who are not planning on staying in their house for an extended period of time.

Those that settle for a standard variable rate (SVR) mortgage should keep in mind though that if interest rates escalate, definite problems could arise. There is no guarantee that interest rates will stay at a steady level for the duration that you plan to own your home.

Doing research on interest rate levels over the past decade can be a deciding factor in whether or not an adjustable home mortgage is the solution that you are seeking. A fixed home mortgage, though pricier, offers home buyers a steady interest rate without the guesswork. If you plan on choosing a fixed rate mortgage, let us shop around for one of the cheapest rates for you, so that when you are locked into that rate, if it is a reasonable one.

Do not be discouraged by the guesswork and uncertainty of a standard variable rate (SVR) mortgage. People who have choose standard variable rate (SVR) mortgages as their solution have been the winners lately, over those that have chosen fixed rate mortgages in times of low interest rates. At times of low interest rates, those with standard variable rate (SVR) mortgages benefit from the downward spiral of interest rates. If however the low interest rates do not last, those with fixed rate mortgages will benefit from their choice.

Rather than following the roller coaster ride of interest rates that come along with choosing a standard variable rate (SVR) mortgage, those with fixed rate mortgages will be satisfied with the steady rate that they have been stuck with. If you are planning on owning your property for a short period of time, a standard variable rate (SVR) mortgage could be more suitable, especially if interest rates are low.

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