Variable Rate Mortgages

  • Variable rate mortgages come with interest rates that rise and fall along with fluctuations in the base rate.
  • Compare the latest interest rates and other important features of variable mortgages in the table below.

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  • Stafford Railway BS's logo'

    Stafford Railway BS Standard Variable Rate

    • Initial Rate
      2.95% Standard Variable Rate
    • APRC
      3.10%
    • Product Fee
      £0
    • Monthly Repayment
      £707.42
    • Lender:
      Stafford Railway BS
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £50,000
    • Max Loan:
      Varies
    • Product Description:
      2.95% Standard Variable Rate
    • Incentives:
      No arrangement fees

    • Ongoing Monthly Payments:
      £707.42 x 300
    • Total Amount Payable:
      £213,041
    • Total Interest Payable:
      £62,226
    • Valuation Fee:
      £265
    • Exit Admin Fee:
      £150
    • Early Repayment Charge:
      No
  • Bank of Ireland UK's logo'

    Bank of Ireland UK Standard Variable Rate

    • Initial Rate
      4.09% Standard Variable Rate
    • APRC
      4.20%
    • Product Fee
      £0
    • Monthly Repayment
      £799.23
    • Lender:
      Bank of Ireland UK
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £25,001
    • Max Loan:
      Varies
    • Product Description:
      4.09% Standard Variable Rate
    • Incentives:
      No arrangement fees

    • Ongoing Monthly Payments:
      £799.23 x 300
    • Total Amount Payable:
      £240,674
    • Total Interest Payable:
      £89,769
    • Valuation Fee:
      £310
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      No
  • Post Office Money®'s logo'

    Post Office Money® Standard Variable Rate

    • Initial Rate
      4.09% Standard Variable Rate
    • APRC
      4.20%
    • Product Fee
      £0
    • Monthly Repayment
      £799.23
    • Lender:
      Post Office Money®
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £25,001
    • Max Loan:
      Varies
    • Product Description:
      4.09% Standard Variable Rate
    • Incentives:
      No arrangement fees

    • Ongoing Monthly Payments:
      £799.23 x 300
    • Total Amount Payable:
      £240,674
    • Total Interest Payable:
      £89,769
    • Valuation Fee:
      £310
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      No
  • Ecology Building Society's logo'

    Ecology Building Society Standard Variable Rate

    • Initial Rate
      4.15% Standard Variable Rate
    • APRC
      4.80%
    • Product Fee
      £300
    • Monthly Repayment
      £804.23
    • Lender:
      Ecology Building Society
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      4.15% Standard Variable Rate
    • Incentives:
    • Ongoing Monthly Payments:
      £804.23 x 300
    • Total Amount Payable:
      £242,639
    • Total Interest Payable:
      £91,269
    • Valuation Fee:
      £270
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2% Sum Repaid
  • Ecology Building Society's logo'

    Ecology Building Society Standard Variable Rate

    • Initial Rate
      4.15% Standard Variable Rate
    • APRC
      4.80%
    • Product Fee
      £300
    • Monthly Repayment
      £804.23
    • Lender:
      Ecology Building Society
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      4.15% Standard Variable Rate
    • Incentives:
    • Ongoing Monthly Payments:
      £804.23 x 300
    • Total Amount Payable:
      £242,639
    • Total Interest Payable:
      £91,269
    • Valuation Fee:
      £270
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2% Sum Repaid
  • Click here to see 1 similar product
  • Ecology Building Society's logo'

    Ecology Building Society Standard Variable Rate

    • Initial Rate
      4.15% Standard Variable Rate
    • APRC
      4.40%
    • Product Fee
      £799
    • Monthly Repayment
      £804.23
    • Lender:
      Ecology Building Society
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      4.15% Standard Variable Rate
    • Incentives:
    • Ongoing Monthly Payments:
      £804.23 x 300
    • Total Amount Payable:
      £242,738
    • Total Interest Payable:
      £91,269
    • Valuation Fee:
      £270
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2% Sum Repaid
  • Ecology Building Society's logo'

    Ecology Building Society Standard Variable Rate

    • Initial Rate
      4.15% Standard Variable Rate
    • APRC
      4.40%
    • Product Fee
      £799
    • Monthly Repayment
      £804.23
    • Lender:
      Ecology Building Society
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      4.15% Standard Variable Rate
    • Incentives:
    • Ongoing Monthly Payments:
      £804.23 x 300
    • Total Amount Payable:
      £242,738
    • Total Interest Payable:
      £91,269
    • Valuation Fee:
      £270
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2% Sum Repaid
  • Click here to see 1 similar product
  • NatWest's logo'

    NatWest Variable

    • Offset
    • Initial Rate
      4.25% Variable
    • APRC
      3.80%
    • Product Fee
      £499
    • Monthly Repayment
      £812.61
    • Lender:
      NatWest
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £30,000
    • Max Loan:
      £1,000,000
    • Product Description:
      4.25% Variable
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      free valuation admin fees Remortgages

    • Ongoing Monthly Payments:
      £812.61 x 300
    • Total Amount Payable:
      £244,282
    • Total Interest Payable:
      £93,783
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland Variable

    • Offset
    • Initial Rate
      4.25% Variable
    • APRC
      3.70%
    • Product Fee
      £499
    • Monthly Repayment
      £812.61
    • Lender:
      Royal Bank of Scotland
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £30,000
    • Max Loan:
      £1,000,000
    • Product Description:
      4.25% Variable
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      free valuation admin fees Remortgages

    • Ongoing Monthly Payments:
      £812.61 x 300
    • Total Amount Payable:
      £244,282
    • Total Interest Payable:
      £93,783
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Clydesdale Bank's logo'

    Clydesdale Bank Standard Variable Rate

    • Offset
    • Initial Rate
      4.55% Standard Variable Rate
    • APRC
      4.80%
    • Product Fee
      £999
    • Monthly Repayment
      £838.01
    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £0
    • Max Loan:
      £750,000
    • Product Description:
      4.55% Standard Variable Rate
    • Incentives:
      Free valuation fees Max £3M of Purchase Price Remortgages
      free legal fees Remortgages

    • Website:
    • Ongoing Monthly Payments:
      £838.01 x 300
    • Total Amount Payable:
      £252,402
    • Total Interest Payable:
      £101,403
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Yorkshire Bank's logo'

    Yorkshire Bank Standard Variable Rate

    • Offset
    • Initial Rate
      4.55% Standard Variable Rate
    • APRC
      4.80%
    • Product Fee
      £999
    • Monthly Repayment
      £838.01
    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £0
    • Max Loan:
      £750,000
    • Product Description:
      4.55% Standard Variable Rate
    • Incentives:
      Free valuation fees Max £3M of Purchase Price Remortgages
      free legal fees Max £2M of Purchase Price Remortgages

    • Website:
    • Ongoing Monthly Payments:
      £838.01 x 300
    • Total Amount Payable:
      £252,597
    • Total Interest Payable:
      £101,403
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      No
  • Penrith BS's logo'

    Penrith BS Standard Variable Rate

    • Initial Rate
      4.75% Standard Variable Rate
    • APRC
      5.10%
    • Product Fee
      £699
    • Monthly Repayment
      £855.18
    • Lender:
      Penrith BS
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £30,000
    • Max Loan:
      Varies
    • Product Description:
      4.75% Standard Variable Rate
    • Incentives:
      Help towards costs (Max £1
      5K) Min 75
      00% of Mortgage LTV
    • Ongoing Monthly Payments:
      £855.18 x 300
    • Total Amount Payable:
      £258,003
    • Total Interest Payable:
      £106,554
    • Valuation Fee:
      £300
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: High Lending (MIPS) Fee (Max £1500.00)
  • Penrith BS's logo'

    Penrith BS Standard Variable Rate

    • Initial Rate
      4.75% Standard Variable Rate
    • APRC
      5.10%
    • Product Fee
      £699
    • Monthly Repayment
      £855.18
    • Lender:
      Penrith BS
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £30,000
    • Max Loan:
      Varies
    • Product Description:
      4.75% Standard Variable Rate
    • Incentives:
      Help towards costs (Max £1
      5K) Min 75
      00% of Mortgage LTV
    • Ongoing Monthly Payments:
      £855.18 x 300
    • Total Amount Payable:
      £258,003
    • Total Interest Payable:
      £106,554
    • Valuation Fee:
      £300
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: High Lending (MIPS) Fee (Max £1500.00)
  • Click here to see 1 similar product
  • Hanley Economic BS's logo'

    Hanley Economic BS Standard Variable Rate

    • Initial Rate
      4.79% Standard Variable Rate (collared at 2.00%)
    • APRC
      5.60%
    • Product Fee
      £0
    • Monthly Repayment
      £858.63
    • Lender:
      Hanley Economic BS
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £30,000
    • Max Loan:
      £500,000
    • Product Description:
      4.79% Standard Variable Rate (collared at 2.00%)
    • Incentives:
      No arrangement fees

    • Ongoing Monthly Payments:
      £858.63 x 300
    • Total Amount Payable:
      £258,394
    • Total Interest Payable:
      £107,589
    • Valuation Fee:
      £310
    • Exit Admin Fee:
      £95
    • Early Repayment Charge:
      No
  • Cambridge BS's logo'

    Cambridge BS Standard Variable Rate

    • Initial Rate
      4.89% Standard Variable Rate
    • APRC
      5.00%
    • Product Fee
      £199
    • Monthly Repayment
      £867.30
    • Lender:
      Cambridge BS
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      4.89% Standard Variable Rate
    • Incentives:
      Free valuation fees for properties valued Max £1M Remortgages
      free legal fees Remortgages

    • Ongoing Monthly Payments:
      £867.30 x 300
    • Total Amount Payable:
      £260,449
    • Total Interest Payable:
      £110,190
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £60
    • Early Repayment Charge:
      No
  • Earl Shilton BS's logo'

    Earl Shilton BS Standard Variable Rate

    • Initial Rate
      4.89% Standard Variable Rate (collared at 2.50%)
    • APRC
      5.00%
    • Product Fee
      £524
    • Monthly Repayment
      £867.30
    • Lender:
      Earl Shilton BS
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £20,000
    • Max Loan:
      £750,000
    • Product Description:
      4.89% Standard Variable Rate (collared at 2.50%)
    • Incentives:
    • Ongoing Monthly Payments:
      £867.30 x 300
    • Total Amount Payable:
      £261,954
    • Total Interest Payable:
      £110,190
    • Valuation Fee:
      £290
    • Exit Admin Fee:
      £150
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2% Outstanding Balance
  • Earl Shilton BS's logo'

    Earl Shilton BS Standard Variable Rate

    • Initial Rate
      4.89% Standard Variable Rate (collared at 2.50%)
    • APRC
      5.00%
    • Product Fee
      £524
    • Monthly Repayment
      £867.30
    • Lender:
      Earl Shilton BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £25,001
    • Max Loan:
      £750,000
    • Product Description:
      4.89% Standard Variable Rate (collared at 2.50%)
    • Incentives:
    • Ongoing Monthly Payments:
      £867.30 x 300
    • Total Amount Payable:
      £261,554
    • Total Interest Payable:
      £110,190
    • Valuation Fee:
      £290
    • Exit Admin Fee:
      £150
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2% Outstanding Balance
  • Click here to see 1 similar product
  • Bath BS's logo'

    Bath BS Standard Variable Rate

    • Initial Rate
      4.90% Standard Variable Rate
    • APRC
      6.40%
    • Product Fee
      £125
    • Monthly Repayment
      £868.17
    • Lender:
      Bath BS
    • Max First Time Buyer LTV:
      70%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      70%
    • Min Loan:
      £50,000
    • Max Loan:
      Varies
    • Product Description:
      4.90% Standard Variable Rate
    • Incentives:
    • Ongoing Monthly Payments:
      £868.17 x 300
    • Total Amount Payable:
      £261,411
    • Total Interest Payable:
      £110,451
    • Valuation Fee:
      £285
    • Exit Admin Fee:
      £150
    • Early Repayment Charge:
      No
  • Beverley BS's logo'

    Beverley BS Standard Variable Rate

    • Initial Rate
      4.99% Standard Variable Rate
    • APRC
      5.20%
    • Product Fee
      £495
    • Monthly Repayment
      £876.01
    • Lender:
      Beverley BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      95%
    • Min Loan:
      £40,000
    • Max Loan:
      Varies
    • Product Description:
      4.99% Standard Variable Rate
    • Incentives:
    • Ongoing Monthly Payments:
      £876.01 x 300
    • Total Amount Payable:
      £264,158
    • Total Interest Payable:
      £112,803
    • Valuation Fee:
      £285
    • Exit Admin Fee:
      £175
    • Early Repayment Charge:
      No
  • Chorley Building Society's logo'

    Chorley Building Society Standard Variable Rate

    • Initial Rate
      5.24% Standard Variable Rate
    • APRC
      5.40%
    • Product Fee
      £145
    • Monthly Repayment
      £897.99
    • Lender:
      Chorley Building Society
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £50,000
    • Max Loan:
      Varies
    • Product Description:
      5.24% Standard Variable Rate
    • Incentives:
    • Ongoing Monthly Payments:
      £897.99 x 300
    • Total Amount Payable:
      £270,217
    • Total Interest Payable:
      £119,397
    • Valuation Fee:
      £200
    • Exit Admin Fee:
      £75
    • Early Repayment Charge:
      No
  • Chorley Building Society's logo'

    Chorley Building Society Standard Variable Rate

    • Initial Rate
      5.24% Standard Variable Rate
    • APRC
      5.50%
    • Product Fee
      £1,270
    • Monthly Repayment
      £897.99
    • Lender:
      Chorley Building Society
    • Max First Time Buyer LTV:
      65%
    • Max House Purchase LTV:
      65%
    • Max Remortgage LTV:
      65%
    • Min Loan:
      £50,000
    • Max Loan:
      Varies
    • Product Description:
      5.24% Standard Variable Rate
    • Incentives:
    • Ongoing Monthly Payments:
      £897.99 x 300
    • Total Amount Payable:
      £271,342
    • Total Interest Payable:
      £119,397
    • Valuation Fee:
      £200
    • Exit Admin Fee:
      £75
    • Early Repayment Charge:
      No
  • Leeds BS's logo'

    Leeds BS Standard Variable Rate

    • Initial Rate
      5.29% Standard Variable Rate
    • APRC
      5.40%
    • Product Fee
      £0
    • Monthly Repayment
      £902.41
    • Lender:
      Leeds BS
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      5.29% Standard Variable Rate
    • Incentives:
      No arrangement fees

    • Ongoing Monthly Payments:
      £902.41 x 300
    • Total Amount Payable:
      £271,682
    • Total Interest Payable:
      £120,723
    • Valuation Fee:
      £360
    • Exit Admin Fee:
      £199
    • Early Repayment Charge:
      No
  • Darlington BS's logo'

    Darlington BS Standard Variable Rate

    • Initial Rate
      5.30% Standard Variable Rate
    • APRC
      6.10%
    • Product Fee
      £120
    • Monthly Repayment
      £903.30
    • Lender:
      Darlington BS
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £100,000
    • Max Loan:
      Varies
    • Product Description:
      5.30% Standard Variable Rate
    • Incentives:
    • Ongoing Monthly Payments:
      £903.30 x 300
    • Total Amount Payable:
      £271,825
    • Total Interest Payable:
      £120,990
    • Valuation Fee:
      £225
    • Exit Admin Fee:
      £90
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/5/22: 2/1% Outstanding Balance
  • Hinckley & Rugby BS's logo'

    Hinckley & Rugby BS Standard Variable Rate

    • Cashback Available
    • Initial Rate
      5.89% Standard Variable Rate
    • APRC
      6.10%
    • Product Fee
      £250
    • Monthly Repayment
      £956.39
    • Lender:
      Hinckley & Rugby BS
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £100,000
    • Max Loan:
      Varies
    • Product Description:
      5.89% Standard Variable Rate
    • Incentives:
      £250 cashback Remortgages

    • Ongoing Monthly Payments:
      £956.39 x 300
    • Total Amount Payable:
      £287,762
    • Total Interest Payable:
      £136,917
    • Valuation Fee:
      £295
    • Exit Admin Fee:
      £150
    • Early Repayment Charge:
      No
Your home may be repossessed if you do not keep up repayments on your mortgage.

The mortgage data above was supplied by Moneyfacts Group Plc and is updated at the time of mortgage search. The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

Our mortgage comparison service is partnered with L&C Mortgages for selections made outside of our featured lenders. Featured lenders are firms with whom we have a direct commercial relationship.

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Variable Rate Mortgages FAQ

What are the different types of variable rate mortgage?

What is a standard variable rate mortgage?

What is a 'mortgage collar'?

What are the risks of standard variable rate mortgages?

What is a tracker mortgage?

What are the risks of tracker mortgages?

What are discounted Variable Rate mortgages?

Should I switch from my fixed rate mortgage deal?

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