Who’s an April Mortgage Customer? April Mortgages had become a lender of growing interest for brokers looking beyond standard short-term fixed-rate products. Its proposition focused on longer-term fixed rates, payment certainty, flexibility when life changes and options for borrowers who may not fit neatly into traditional mortgage journeys.

April Mortgages may appeal to clients who want more certainty over monthly payments, more flexibility to move home, or a route to homeownership where saving a large deposit has been difficult. For advisers, the key question is not simply whether April offers attractive features. It is a question of whether the client’s circumstances, future plans and risk profile make that structure suitable.

This guide explains who an April Mortgages customer may be, which scenarios could work well, and which borrowers may need a different route. It is written for mortgage advisers, introducers and broker firms considering whether April Mortgages could support the right client outcome.

For brokers who need access to April products through Connect, start with April Mortgages broker access through Connect.

Who May Suit April Mortgages?

April Mortgages may suit clients who value:

• Long-term fixed monthly payments
• A fixed-rate structure that may reduce as the mortgage balance falls
• The ability to move home without early repayment charges, subject to product terms
• The option to make unlimited overpayments
• Higher borrowing potential, subject to affordability and lender criteria
• No-deposit or 100% loan-to-value options, where available and suitable
• A mortgage designed around stability, flexibility and longer-term planning

However, April may not be right for every borrower. Clients seeking short-term deals, frequent remortgaging, interest-only borrowing without a clear repayment plan, or rapid property resale may need alternative options.

Why April Mortgages Became Relevant in 2025

The mortgage market in 2025 remained challenging for many borrowers. Affordability pressures, high rental costs, deposit barriers and changing household plans made traditional mortgage routes difficult for some clients.

For first-time buyers, saving a deposit could be one of the biggest obstacles. For home movers, affordability and future flexibility were often key concerns. For professionals expecting career changes or relocation, a short-term fixed rate did not always match their plans. For older borrowers, stable payments and repayment flexibility could be more important than chasing a short initial rate.

April Mortgages entered this conversation with a proposition based on longer-term certainty and built-in flexibility. That made it relevant to brokers advising clients who wanted stability but did not want to feel locked into a mortgage that could restrict future life decisions.

Connect’s earlier announcement, April Mortgages joins Connect, explains why the lender became part of the Connect proposition and why its product style matters for advisers.

First-Time Buyers: Frank and Jasmine

Scenario

Frank and Jasmine are two working professionals buying their first home. They have stable income, a good payment history and support from family, but they have found it difficult to save a large deposit while renting.

They want to buy their first home, but they also know their circumstances may change. They may start a family, move for work or need a larger property in the future.

Why April Mortgages may suit them

April may be worth considering for Frank and Jasmine because the structure can support both affordability and future flexibility.

Potential benefits include:

• Longer-term fixed payments, helping them budget with more confidence
• No-deposit or high loan-to-value options, subject to criteria
• A rate that may reduce as the loan-to-value improves
• No early repayment charge when moving home, subject to product terms
• The ability to make overpayments if their income increases

For clients like Frank and Jasmine, the adviser’s role is to test whether the long-term structure is genuinely suitable. A 100% mortgage can help remove the deposit barrier, but it also comes with risks, including negative equity if property values fall.

For a wider customer-facing explanation of no-deposit mortgages, refer clients to the 100% mortgage guide.

Next-Time Buyers: Tunde and Rebecca

Scenario

Tunde and Rebecca are parents looking to move closer to a preferred school. They are balancing childcare costs, household bills and the need for more space.

They want payment certainty but do not know whether this will be their long-term home. They may move again before secondary school, or their housing needs may change as their children grow.

Why April Mortgages may suit them

April may suit clients like Tunde and Rebecca because it can combine stability with movement flexibility.

Potential benefits include:

• Fixed monthly repayments for longer-term budgeting
• No early repayment charge when moving home, subject to product terms
• The ability to make unlimited overpayments
• A reducing-rate structure as the balance falls and loan-to-value improves
• Affordability assessed in line with April’s criteria

For next-time buyers, the attraction is not only the fixed rate. It is the ability to plan ahead while keeping options open. Advisers should still compare April with other mainstream and specialist lenders to ensure the product aligns with the client’s time horizon and repayment plans.

Mobile Professionals: Thomas the Developer

Scenario

Thomas is a software developer who wants to stop renting and start building equity. He has strong income and career prospects, but his work may take him to another part of the UK in the next few years.

He does not want to remortgage frequently, but he also does not want a mortgage that penalises him if he needs to move for work.

Why April Mortgages may suit him

April may suit a mobile professional because it can provide payment certainty without removing future flexibility.

Potential benefits include:

• A longer-term fixed rate for stability
• No early repayment charge when moving home, subject to product terms
• Unlimited overpayments if bonuses or salary increases are received
• A rate that may reduce as the balance falls
• Less reliance on repeated short-term remortgage cycles

For clients like Thomas, the adviser should explore career plans, likely timing of relocation, income stability, and attitude to long-term fixed-rate borrowing. The product may be suitable where flexibility and certainty are both important.

Fresh Start Homeowners: Ava’s Story

Scenario

Ava is recently divorced and rebuilding her finances. She owns a home but wants to review her mortgage options because her household income, future plans and monthly budget have changed.

She wants stability, but she also wants flexibility in case she chooses to downsize, relocate or repay part of the mortgage later.

Why April Mortgages may suit her

April may help clients like Ava where a stable payment structure and repayment flexibility are important.

Potential benefits include:

• Fixed monthly repayments that support budgeting
• No early repayment charge when moving home, subject to product terms
• The ability to make overpayments
• A rate that may reduce as the mortgage balance lowers
• Longer-term certainty during a period of financial adjustment

For fresh start clients, advice must be handled carefully. The adviser should review affordability, credit position, evidence of income, future plans, and emotional decision-making. The right outcome may be April, but it may also be another lender or a different mortgage structure.

Approaching Retirement: John and Isabella

Scenario

John and Isabella are approaching retirement. They want to review their mortgage and understand whether they can secure predictable payments while keeping the option to repay early.

They may use savings, investments, inheritance or downsizing to clear part or all of the mortgage later.

Why April Mortgages may suit them

April may be suitable for clients who want longer-term certainty and repayment flexibility.

Potential benefits include:

• Predictable payments for retirement planning
• The ability to make overpayments
• No early repayment charge if the mortgage is repaid from personal funds, subject to product terms
• Potential rate reductions as the balance falls
• A structure that may reduce the need for repeated remortgaging

For clients approaching retirement, advisers must consider current income and retirement income, repayment strategy, age limits, affordability, pension income, downsizing plans, and whether the term remains suitable.

Who May Not Be an April Mortgages Customer?

April Mortgages will not be suitable for every borrower. That point should be made clearly because good customer outcomes depend on suitability, not product enthusiasm.

April may not suit clients who:

• Want a very short-term fixed-rate product
• Expect to sell quickly for investment reasons
• Want to remortgage frequently to chase short-term rates
• Need a product that allows a highly specific interest-only structure outside criteria
• Have unstable income that does not meet affordability rules
• Have credit issues that fall outside lender criteria
• Are uncomfortable with the risks linked to high loan-to-value borrowing
• Do not want a longer-term fixed-rate commitment

The adviser’s role is to assess the client’s needs, not force the client into a product type. April may be highly suitable in some cases and unsuitable in others.

Broker Considerations Before Recommending April Mortgages

Before considering April Mortgages, brokers should review:

• The client’s deposit position
• Income stability and affordability
• Credit profile
• Future moving plans
• Attitude to longer-term fixed rates
• Likelihood of making overpayments
• Risk of negative equity on high loan-to-value borrowing
• Whether the client values certainty more than short-term rate flexibility
• Whether the product features remain available at the time of advice

Mortgage advice should always reflect current criteria. This is especially important for articles like this one, which was published on 27 July 2025 and may be read months or years later.

How Connect Supports Brokers With April Mortgages

Some brokers may have clients who could benefit from April Mortgages but lack direct access to the lender. Connect provides a route for eligible brokers and introducers to refer April cases while keeping visibility of the client journey.

Through Connect, a qualified adviser can review the client’s circumstances, assess whether April may be suitable and explain the next steps. The process is designed so the referring broker remains involved and the client relationship is respected.

This matters because April-style cases are not always straightforward product searches. Clients may need advice on long-term fixed rates, affordability, deposit options, overpayments, moving-home flexibility and whether a longer fixed period is appropriate.

Have a Client Who May Suit April Mortgages?

If you are a broker with a client who may benefit from April Mortgages, Connect can help you understand the route, assess the referral and keep the client journey clear.

April may suit the right borrower, but suitability must always come first. Use this guide as a scenario-led starting point, then check the current criteria before progressing any case.

Explore April Mortgages through Connect

FAQ: April Mortgages Customer Types

Question	Answer
Who is an April Mortgages customer?	An April Mortgages customer may be someone who wants longer-term payment certainty, flexibility to move home, the ability to make overpayments and, where suitable, access to no-deposit or high loan-to-value options.
Can first-time buyers use April Mortgages?	Some first-time buyers may be suitable for April Mortgages, especially where they have stable income, good credit and limited deposit savings. Eligibility depends on current lender criteria and affordability.
Can April Mortgages help with 100% mortgages?	April Mortgages has offered no-deposit mortgage options, subject to criteria. These products may help some buyers who have income but little or no deposit. Advisers should explain the risks, including negative equity.
Does April charge early repayment charges?	April’s proposition has included no early repayment charges when moving home or repaying from personal funds, subject to product terms. Advisers should check the current product details before making a recommendation.
Do April rates reduce over time?	April’s structure has included rates that may reduce as the mortgage balance falls and the loan-to-value improves. This should be checked against the current product range and criteria.
Is April suitable for every borrower?	No. April may not suit clients who want short-term deals, frequent remortgage switching, rapid resale, unsuitable high loan-to-value borrowing or product features outside April’s criteria.
How can brokers access April Mortgages through Connect?	Brokers can use Connect’s April Mortgages access route where they need support placing a case. Connect will review the client’s circumstances and discuss the referral with the broker before contacting the client.