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What is a discounted mortage?

A discounted mortgage rate will usually offer a discount off the lenders standard variable rate (SVR).  The discount may sometimes be applied for an introductory or fixed term period, or it may be for the entire term of the mortgage. 

A discounted mortgage rate is also variable itself and is subject to fluctuations dependent on the SVR.  For example if the lenders SVR is currently at 5% and you were offered a discount of 1%, you would pay 4% interest on your mortgage payments.  However if the lenders SVR rose to 6% your payments would also rise to 5%.  

Once the introductory period comes to an end, you are most likely to revert to the lenders SVR. 

You can read more about SVR and other terms in the SoSmart Money specialist mortgage guides, or click on the links below to read some other helpful hints and tips on mortgages and home buying.


Remortgaging your home to get a batter rate? Use our remortgage comparison tool to find a competitive mortgage.


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Buying your first home? We can help you to find a low rate mortgage deal that will give you a start on the property ladder.


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Buying a property to let out to tenants? Use our comparison tables to find a low rate mortgage deal to suit you.


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So Smart Money are specialists when it comes to mortgage and insurance. We have access to the UK’s leading brokers and using their knowledge and skills they'll place you with the most suitable lender and product for your needs.

Speak to an expert for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.

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