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Pro Mortgages have the core value that our customers are at the heart of everything we do. We have years of experience in financial services and have forged strong relationships with clients and lenders.
We have access to over 90 lenders, and thousands of products and deals, including many that are not available on the high street. We are also independent from any bank or lender, so the loyalty is to our customers.
We advise on Mortgages (Residential, Buy to Let, Portfolio BTL and Commercial), Protection and General Insurance, so you won’t need to shop around, everything is under one roof.
A product transfer is when you move from your existing mortgage deal to a new one with your current lender. It is not always the best option, but it could be a suitable solution depending on your needs.
An early repayment charge (ERC) is a penalty your provider may charge if you overpay on your mortgage by more than they allow, or pay off the whole loan too early.
Sometimes securing a new deal with your current lender may mean they’re willing to forgo the ERC on your current mortgage, but not always.
It’s worth speaking to an adviser to discuss your options because ERCS don’t always mean there’s’ nothing more you can do until the end of your current agreement.
A standard variable rate – or SVR – is a variable rate mortgage that you’ll usually be moved on to once your existing fixed rate, tracker or discount mortgage ends – unless you choose to switch to a new deal. All mortgage providers have an SVR.
Most SVRs are not particularly competitive and if you choose to stay on this variable rate, you could find you’ll be paying more for your mortgage each month than if you were to shop around and look for a better deal.
A tracker mortgage is a type of variable rate mortgage which “tracks” a base rate – usually the Bank of England’s base rate. If you get a tracker mortgage, your mortgage repayments (including the interest you pay on your mortgage) could change every month.
What’s the difference between a tracker mortgage and a variable mortgage?
If you have a variable mortgage, a mortgage lender can set their own variable rate. However, a tracker mortgage normally follows the Bank of England’s base rate – which they don’t control.
We research the whole market when helping ascertain the most suitable deal for you.
A fixed-rate mortgage is a mortgage where your interest rate is guaranteed to stay the same for a set period of time.
This can offer peace of mind because, unlike a variable-rate mortgage (such as a discount or tracker), you’ll know exactly how much you need to repay each month during this period.