As independent mortgage brokers we have access to the entire market in the UK and will find the best discount mortgage deal for you. With a discount mortgage you get a reduced rate for the first few months or years after the loan has been taken. You must remember that when the discount period ends monthly payments will increase.

If you have had a large discount, you will get a bigger payment shock when you revert to paying the standard variable rate.

Discounts are often available for the following categories of borrower:

· First time buyers
· New borrowers (who already have a mortgage from another lender)
· Existing borrowers coming back for a new homeloan

In addition, lenders may offer bigger discounts to borrowers who are putting a larger deposit towards the purchase.

They may also provide a discount to borrowers taking larger loans.

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There is no obligation and it costs nothing to see what your options are.