Discount Mortgages

Discount Mortgage Advice – Save on Your Monthly Payments

If you’re looking for a more affordable way to manage your mortgage, a discount mortgage could be the solution. At Sunnybank Financial Solutions, we help homebuyers and homeowners across the UK access competitive discount mortgage deals designed to keep monthly repayments lower.

Whether you’re a first-time buyer, moving to a new home, or remortgaging, we’ll guide you through the process and find the right deal for your circumstances.

Why Choose Sunnybank Financial Solutions?

Experienced UK mortgage advisors with specialist knowledge of discount mortgages

• Whole-of-market access to deals not always found on the high street
• Personalised advice to suit your financial situation
• Straightforward application process with ongoing support
• Clear, jargon-free explanations every step of the way

What is a Discount Mortgage?

A discount mortgage is a type of variable rate mortgage where the interest rate you pay is set at a discount below the lender’s Standard Variable Rate (SVR) for a fixed period of time. For example, if a lender’s SVR is 6% and your discount is 2%, you’ll pay 4% during the discount term.

Because the rate tracks the lender’s SVR, your monthly repayments can still go up or down depending on changes in that rate.

Benefits of a Discount Mortgage

Lower initial payments compared to some fixed or standard deals
Flexible terms, often available for 2, 3, or 5 years
Can be a good option if interest rates are stable or falling
Easier access for certain borrowers compared to fixed-rate products

Types of Discount Mortgages We Can Help With

• First-Time Buyer Discount Mortgages – helping you step onto the property ladder with reduced monthly costs
• Home Mover Mortgages – tailored deals for your next property purchase
• Remortgages – switch to a discount deal to reduce your payments
• Flexible Discount Mortgages – options with features such as overpayments or payment holidays

Am I Eligible for a Discount Mortgage?

You may be eligible if:

1. You are a UK resident aged 18 or over
2. You can provide proof of a stable income
3. You have a suitable deposit or equity in your home
4. You have a reasonable credit history (criteria vary by lender)

Every lender has different requirements, but we work across the whole market to find deals that match your circumstances – even if they’re less straightforward.

Compare the Best Discount Mortgage Deals

At Sunnybank Financial Solutions, we compare hundreds of lenders to secure the most competitive discount mortgage rates available. Whether you want the lowest payments, flexible terms, or reduced fees, we’ll help you find the right balance.

Why Homeowners Trust Us

We understand that choosing the right mortgage is one of the most important financial decisions you’ll make. That’s why we provide honest advice, transparent service, and long-term support to ensure you always get the right deal.

Get Started Today – Free Initial Consultation

Want to find out if a discount mortgage is right for you?

Contact us below to explore your options.