No ERCs When Moving Home: Flexible Mortgages That Move With Your Clients. At Connect for Intermediaries, we recognise that life and property ownership rarely follow a set course. That’s why we provide access to lenders like April Mortgages, offering flexible mortgage products tailored to real-world circumstances.
No ERCs When Moving Home – True Payment Freedom
April Mortgages offers a range of products with no early repayment charges. This gives your clients the option to repay part or all of their mortgage at any time without financial penalties. Whether moving home, receiving a lump sum, or aiming to repay sooner, they gain real flexibility and cost savings.
No ERCs When Moving Home – What Does This Mean for Your Clients?
Sell without stress
Clients can sell their home and clear their mortgage without charges. This suits those who may need to move quickly due to job changes, family needs, or lifestyle shifts.
Overpay with confidence
Lump-sum overpayments can be made at any time. This reduces interest and shortens the mortgage term, without triggering fees.
No surprise costs
Clients avoid hidden charges commonly found in standard mortgage products. This ensures transparency and control over their repayment strategy.
A Note on Porting – Start Fresh
April Mortgages does not offer product porting. If a client moves and buys another property, they must apply for a new mortgage. This could be with April Mortgages or a different lender. This creates an opportunity to reassess their needs and choose a new deal suited to their circumstances.
Why This Matters for Intermediaries
Offering mortgages with no ERCs can help advisers stand out, especially for clients who need more flexibility.
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First-time buyers are unsure of how long they will remain in their first home
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Buy-to-let landlords who may wish to restructure their portfolio
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Older borrowers seeking more control over their financial planning
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Clients experiencing life changes, such as divorce, relocation, or downsizing
This approach helps you offer tailored options while anticipating future changes in your clients’ lives.
Who’s an April Mortgage Customer?
April Mortgages does things a little differently. Their fresh take is designed to help more people, including first-time buyers, get the keys to a home of their own.
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Fixed rates over 5, 10 or 15 years
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No Early Repayment Charges if you move home and redeem the mortgage
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Unlimited overpayments
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A range of modern products, including 0% deposit mortgage options, interest only and increased borrowing power over longer terms
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Modern flexibility and long-term certainty
As a broker, do you want access to April Mortgages for your clients? Learn more.
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