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Mortgages for first time buyers

Variable rate mortgage deals

Variable rate mortgages see interest rates rise and fall in line with the Bank of England’s base rate. If you want to benefit from low interest rates (and you’re confident you can afford to keep up with mortgage repayments when rates are high) a variable rate mortgage deal may be suitable.

At TaylorMade Finance, we can help you find the right variable rate mortgage deal for you. We’ll assess your financial situation and help you determine which deal is the most affordable. With our help, you can obtain a mortgage without having to spend hours researching and contacting lenders directly.

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Everything you
need to know…

Two main types

There are two main types of variable rate mortgage. The first, tracker mortgages, follow the base rate set by the Bank of England and the interest rate rises and falls in line with UK rates. Usually, your mortgage lender will charge an additional percentage point or two, which you will need to take into account.

The interest rate

The interest rate on standard variable rate mortgages (SVR) can also go up or down. However, unlike tracker mortgages, the SVR doesn’t need to stay above the Bank of England Base Rate. The rate payable is determined by the mortgage lender. If the Bank of England Base Rate was to rise by 1%, it would be up the lender to decide whether to keep SVR the same, increase it or lower it.

Thinking of remortgaging?

Remortgaging allows you to switch provider or mortgage products to save you money and to suit the changing requirements of your lifestyle.

Before remortgaging, or before you decide to remortgage with your existing provider, it is essential to speak with an independent mortgage expert.

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Mortgage Calculators

Our online mortgage calculators have been designed to help you with the most common mortgage questions such as ‘how much can I borrow?’ and ‘how much will it cost?’

To get a more accurate idea we recommend that you speak to one of our expert mortgage advisers.

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Why choose

We compare over 70 lenders

We compare over 70 lenders to ensure you get the very best mortgage deal suited to your lifestyle. We’ve been around for a long time and we know the mortgage providers inside out.


We offer a personal concierge service so you will meet us face to face. Our expert mortgage advisors will provide you with all the information you need to make an informed decision.

There are no hidden fees

You will never pay more than 1.95% of the mortgage balance. Our average fee is 1% and the minimum fee you will pay is £1295.

We make it quick and easy

We can get you a mortgage in as little as two weeks. We’ll help you fill out all of the forms and will never put you forward for anything you are not likely to be accepted for.

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Talk to the experts

Talk to the experts

With access to the entire mortgage market, the team at TaylorMade can help you find the most suitable mortgage product for your situation.

Whether you’re a first time buyer, a self employed small business owner or a buy-to-let investor, our mortgage experts can help you get a great deal.

To learn more about our service, please get in touch with one of our expert advisers.

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Talk to us

If you're unsure and need some advice just give us a call, our expert team of advisers are available to help you choose the mortgage that is right for you.

0345 305 2540

By clicking on the above link you will be leaving the regulated site of TaylorMade Finance Ltd. TaylorMade Finance Ltd is not responsible for the accuracy of the information contained within the linked site.

TaylorMade Finance Ltd is authorised and regulated by the Financial Conduct Authority.

Where you have a complaint or dispute with us and we are unable to resolve this to your satisfaction then we are obliged to offer you the Financial Ombudsman Service to help resolve this. Please see the following link for further details:

Your mortgage will be secured against your property.

Your home may be repossessed if you do not keep up repayments on your mortgage.

A fee of up to 1.95% of the mortgage amount, subject to a minimum fee of £1,295 and an overall maximum fee of £2,995 payable on completion.