Notice: Function _load_textdomain_just_in_time was called incorrectly. Translation loading for the burst-statistics domain was triggered too early. This is usually an indicator for some code in the plugin or theme running too early. Translations should be loaded at the init action or later. Please see Debugging in WordPress for more information. (This message was added in version 6.7.0.) in /customers/a/a/2/barrettbatchelor.co.uk/httpd.www/wp-includes/functions.php on line 6114 Notice: Function _load_textdomain_just_in_time was called incorrectly. Translation loading for the complianz-gdpr domain was triggered too early. This is usually an indicator for some code in the plugin or theme running too early. Translations should be loaded at the init action or later. Please see Debugging in WordPress for more information. (This message was added in version 6.7.0.) in /customers/a/a/2/barrettbatchelor.co.uk/httpd.www/wp-includes/functions.php on line 6114 Warning: Cannot modify header information - headers already sent by (output started at /customers/a/a/2/barrettbatchelor.co.uk/httpd.www/wp-includes/functions.php:6114) in /customers/a/a/2/barrettbatchelor.co.uk/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1893 Warning: Cannot modify header information - headers already sent by (output started at /customers/a/a/2/barrettbatchelor.co.uk/httpd.www/wp-includes/functions.php:6114) in /customers/a/a/2/barrettbatchelor.co.uk/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1893 Warning: Cannot modify header information - headers already sent by (output started at /customers/a/a/2/barrettbatchelor.co.uk/httpd.www/wp-includes/functions.php:6114) in /customers/a/a/2/barrettbatchelor.co.uk/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1893 Warning: Cannot modify header information - headers already sent by (output started at /customers/a/a/2/barrettbatchelor.co.uk/httpd.www/wp-includes/functions.php:6114) in /customers/a/a/2/barrettbatchelor.co.uk/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1893 Warning: Cannot modify header information - headers already sent by (output started at /customers/a/a/2/barrettbatchelor.co.uk/httpd.www/wp-includes/functions.php:6114) in /customers/a/a/2/barrettbatchelor.co.uk/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1893 Warning: Cannot modify header information - headers already sent by (output started at /customers/a/a/2/barrettbatchelor.co.uk/httpd.www/wp-includes/functions.php:6114) in /customers/a/a/2/barrettbatchelor.co.uk/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1893 Warning: Cannot modify header information - headers already sent by (output started at /customers/a/a/2/barrettbatchelor.co.uk/httpd.www/wp-includes/functions.php:6114) in /customers/a/a/2/barrettbatchelor.co.uk/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1893 Warning: Cannot modify header information - headers already sent by (output started at /customers/a/a/2/barrettbatchelor.co.uk/httpd.www/wp-includes/functions.php:6114) in /customers/a/a/2/barrettbatchelor.co.uk/httpd.www/wp-includes/rest-api/class-wp-rest-server.php on line 1893 {"id":78,"date":"2021-06-08T12:48:12","date_gmt":"2021-06-08T11:48:12","guid":{"rendered":"http:\/\/www.barrettbatchelor.co.uk\/?page_id=78"},"modified":"2021-06-08T14:51:06","modified_gmt":"2021-06-08T13:51:06","slug":"mortgages","status":"publish","type":"page","link":"https:\/\/www.barrettbatchelor.co.uk\/mortgages\/","title":{"rendered":"Mortgages"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.9.4″ _module_preset=”default” background_image=”https:\/\/www.barrettbatchelor.co.uk\/wp-content\/uploads\/2021\/06\/KeysinHands-scaled.jpg” hover_enabled=”0″ bottom_divider_style=”slant2″ bottom_divider_height=”68px” sticky_enabled=”0″ next_background_color=”#ffffff”][et_pb_row _builder_version=”4.9.4″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.4″ _module_preset=”default”][et_pb_text _builder_version=”4.9.4″ _module_preset=”default” custom_padding=”20px|20px|20px|20px|true|true” border_width_all=”3px” border_color_all=”#e19855″ box_shadow_style=”preset1″]<\/p>\n

Mortgages<\/strong><\/h2>\n

 <\/p>\n

There are several terms used to describe the interest rates you pay on mortgages, and the key terms are as follows:<\/p>\n

Standard Variable Rate (SVR)<\/strong><\/h3>\n

The SVR is the lender\u2019s standard rate. With a variable rate mortgage you are normally able to switch lenders at any time without being penalised. If you take out a mortgage that has a fixed, tracker or discounted rate, once the set period of time ends the loan will usually revert to the lender\u2019s SVR.<\/p>\n

Fixed Rate<\/strong><\/h3>\n

A fixed rate mortgage allows you to repay interest at a fixed rate, irrespective of any interest rate fluctuations. In other words your monthly repayments will remain the same every month for a time period agreed between you and your lender.<\/p>\n

Tracker<\/strong><\/h3>\n

A tracker mortgage will usually track any movement in the Bank of England Base rate for a set period, so you will benefit from any falls in interest rates, but will also have to pay more each month should the rate increase.<\/p>\n

Discount<\/strong><\/h3>\n

The discount mortgage rate is another variation of the standard variable rate. It provides a discount from the lender\u2019s SVR for a set period of time. The variable interest rate still fluctuates, meaning your monthly repayments may differ slightly from month to month, but the discount remains constant.<\/p>\n

Fixed, Tracker and Discount rate mortgages often have early repayment charges so you need to be sure this is suitable for you for the foreseeable future. Furthermore, the lender may also charge a \u2018booking\/arrangement fee\u2019 to apply for this type of mortgage. You should ask your adviser to explain these in more detail, or ask for an illustration.<\/p>\n

THE FINANCIAL\u00a0CONDUCT AUTHORITY DOES NOT REGULATE SOME FORMS OF MORTGAGES. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.<\/strong><\/p>\n

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be \u00a3245.<\/p>\n

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Get in Touch<\/h2>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ specialty_columns=”2″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_row_inner padding_top_bottom_link_1=”true” padding_left_right_link_1=”true” module_id=”contact-form” _builder_version=”4.9.4″ animation_style=”bounce” animation_duration=”1500ms” animation_delay=”300ms” box_shadow_style=”preset1″ box_shadow_vertical=”30px” box_shadow_blur=”60px” box_shadow_spread=”-20px”][et_pb_column_inner saved_specialty_column_type=”1_2″ _builder_version=”3.25″ custom_padding=”40px|40px|40px|40px” custom_padding__hover=”|||”][et_pb_contact_form captcha=”off” email=”info@barrettbatchelor.co.uk” success_message=”Message Received! Thank you.” submit_button_text=”Send” module_id=”et_pb_contact_form_0″ _builder_version=”4.9.4″ form_field_background_color=”#f7f7f7″ title_font=”||||||||” form_field_font=”Lato||||||||” form_field_font_size=”16px” form_field_line_height=”1.8em” custom_button=”on” button_text_size=”14px” button_text_color=”#000000″ button_bg_color=”#40eccc” button_border_width=”12px” button_border_color=”rgba(0,0,0,0)” button_border_radius=”50px” button_letter_spacing=”2px” button_font=”Lato|900||on|||||” button_icon=”%%3%%” hover_enabled=”0″ form_background_color=”#f7f7f7″ locked=”off” sticky_enabled=”0″][et_pb_contact_field field_id=”Name” field_title=”Name” fullwidth_field=”on” _builder_version=”3.21.4″ button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_contact_field][et_pb_contact_field field_id=”Email” field_title=”Email Address” field_type=”email” fullwidth_field=”on” _builder_version=”3.21.4″ form_field_font=”||||||||” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_contact_field][et_pb_contact_field field_id=”Phone” field_title=”Phone Number” fullwidth_field=”on” _builder_version=”3.21.4″ button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_contact_field][et_pb_contact_field field_id=”Message” field_title=”Message” field_type=”text” fullwidth_field=”on” _builder_version=”3.16″ button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_contact_field][\/et_pb_contact_form][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

Mortgages   There are several terms used to describe the interest rates you pay on mortgages, and the key terms are as follows: Standard Variable Rate (SVR) The SVR is the lender\u2019s standard rate. With a variable rate mortgage you are normally able to switch lenders at any time without being penalised. If you take […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_oct_exclude_from_cache":false,"footnotes":""},"class_list":["post-78","page","type-page","status-publish","hentry"],"yoast_head":"\nMortgages | Barretbatchelor.co.uk<\/title>\n<meta name=\"description\" content=\"Expert mortgage advisors providing mortgages in Kings Lynn, Norfolk for a combined total of almost 50 years. 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