If you don't pay your mortgage, you might lose your home

Welcome to April

At April, we give you the confidence to take your next step on the housing ladder. We enable you to fix your mortgage rate for the long term, so you know exactly how much you will need to pay each month. However, while most lenders might charge extra for this peace of mind, or lock you into your mortgage with expensive penalties, we do just the opposite.

 

We offer longer term fixed rate mortgages without Early Repayment Charges if you move home. We will also lower the rate on your mortgage as you pay it off and reduce your debt. It’s a fixed rate, where the rate actually falls.

 

As we have recently launched, we currently only offer loans for remortgage customers, so we are unable to help first-time buyers at the moment. However, we’re working hard on developing new products, so check back soon as we plan to offer mortgages for home purchase in the near future.

I'm a first-time buyer

Why April?

No early repayment charge

Most mortgage lenders punish you with an Early Repayment Charge if you want to pay your mortgage off during the product term. We think that practice is unfair. If you sell your home, you can pay off your mortgage without a fee. And if you got a bonus, an inheritance, won the lottery, or you just saved some money, you can make additional payments without any charge.

Automatically reducing interest rate

With a fixed rate, the interest rate you pay is always fixed at the start of your mortgage, right? Wrong – with April, you can actually reduce the interest rate you pay by paying off your loan. Over time you will reduce the size of your loan and this means our risk reduces.

So, we think it’s only fair that we automatically reduce your interest rate as you pay off your mortgage and the value of your loan drops in comparison to the value of your property at the time you bought it.

Further borrowing

Life changes constantly. You might want to turn the loft into another bedroom, replace the kitchen or build a conservatory. Some lenders will start a whole new mortgage application if you need a bigger loan. That is cumbersome and costly. With April, you can easily borrow more, against the same conditions as your original loan.

No high variable rate

At April, we believe all customers should be offered the same, great deal whether they are new or existing. So, when your fixed rate deal ends, we won’t make you pay a high variable rate. Instead, we’ll offer you the best rate available.

Why would you fix your mortgage
rate for a longer term?

Peace of mind

Peace of mind

Know exactly how much
you need to pay each month without worrying.

No remortgaging

No remortgaging

No remortgaging
for however long you choose.

Flexibility

Flexibility

When your life changes,
your April mortgage changes with you

Talk to a broker

Talk to a broker

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