Variable Rate Mortgages

Our expert broker team have access to all the variable rate mortgages on offer from the whole UK market place. Compare variable deals side-by-side and see rates, fees and terms together for easy comparison. View mortgage deals on offer for first time buyers and those with bad credit or those who need to remortgage.

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Mortgage Expert



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Searching: Standard

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Flexx For Term £999 Fee

Initial Rate
1.39%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£473.74

APR
1.5%

compare

Offset Flexx For Term £999 Fee

Initial Rate
1.69%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£490.71

APR
1.8%

compare

Flexx For Term £499 Fee

Initial Rate
1.79%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£494.37

APR
1.9%

compare

Lifetime Flexible Discount £800 Fee

Initial Rate
1.95%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£504.87

APR
2.1%

compare

Term Variable No Fee

Initial Rate
2.95%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£561.22

APR
3%

compare

Flexi Term Variable £995 Fee

Initial Rate
3%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£569.17

APR
3.1%

compare

Flexi Term Variable £199 Fee Existing Borrower

Initial Rate
3%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£565.40

APR
3.1%

compare

Term Variable £999 Fee

Initial Rate
3.38%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£593.20

APR
3.6%

compare

Brightstar Term Variable £999 Fee

Initial Rate
3.38%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£593.20

APR
3.6%

compare

Positive Lending Term Variable £999 Fee

Initial Rate
3.38%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£593.20

APR
3.6%

compare

Direct Flexible Term Variable £199 Fee Further Advance

Initial Rate
3.74%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£596.22

APR
4.1%

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Direct Professional Term Variable £199 Fee Further Advance

Initial Rate
3.74%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£596.22

APR
4.2%

compare

Intermediary Term Variable £1000 Fee Credit Repair

Initial Rate
3.94%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£628.12

APR
4.1%

compare

Direct Offset Term Flexible £499 Fee Purchase

Initial Rate
4%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£630.92

APR
3.7%

compare

Direct Offset Term Flexible £499 Fee

Initial Rate
4%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£630.92

APR
3.7%

compare

Direct Term Variable No Fee Existing Borrower

Initial Rate
4.24%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£627.47

APR
4.3%

compare

Direct Term Variable No Fee

Initial Rate
4.24%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£627.47

APR
4.4%

compare

Direct Term Variable No Fee Further Advance

Initial Rate
4.24%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£627.47

APR
4.4%

compare

Direct Term Variable No Fee Further Advance 1st Start

Initial Rate
4.24%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£627.47

APR
4.4%

compare

Term Variable £300 Fee

Initial Rate
4.65%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£671.75

APR
4.8%

compare

Direct Offset Term Variable £999 Fee

Initial Rate
4.7%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£680.69

APR
5%

compare

Direct Offset Term Variable £499 Fee Existing Borrower

Initial Rate
4.7%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£677.85

APR
5%

compare

Direct Offset Term Variable £499 Fee Existing Borrowers

Initial Rate
4.7%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£660.83

APR
5%

compare

Direct Offset Term Variable £999 Fee

Initial Rate
4.7%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£663.59

APR
5%

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Term Variable £599 Fee

Initial Rate
4.74%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£660.90

APR
5%

compare

Direct Term Variable No Fee Further Advance

Initial Rate
4.74%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£660.80

APR
4.8%

compare

Standard Term Variable £495 Fee

Initial Rate
4.75%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£681.26

APR
5%

compare

Direct Term Variable No Fee

Initial Rate
4.94%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£674.34

APR
5.1%

compare

Positive Lending Term Variable £199 Fee

Initial Rate
4.99%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£696.13

APR
5.2%

compare

Term Variable £199 Fee

Initial Rate
4.99%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£696.13

APR
5.2%

compare

Term Variable No Fee Purchase

Initial Rate
5.04%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£681.18

APR
5.3%

compare

Clever Lending Term Variable No Fee

Initial Rate
5.24%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£712.55

APR
5.4%

compare

Term Variable No Fee

Initial Rate
5.24%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£712.55

APR
5.4%

compare

Lifetime Discount No Fee Loyalty

Initial Rate
5.24%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£712.40

APR
5.4%

compare

Direct Term Variable No Fee

Initial Rate
5.39%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£723.15

APR
5.6%

compare

Term Variable No Fee

Initial Rate
5.44%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£726.72

APR
5.6%

compare

Intermediary Term Variable £495 Fee Purchase

Initial Rate
5.49%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£733.09

APR
5.7%

compare

Part Residential Term Variable £300 Fee

Initial Rate
5.5%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£730.92

APR
5.7%

compare

Standard Term Variable No Fee

Initial Rate
5.64%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£740.75

APR
5.9%

compare

Brightstar Term Variable No Fee

Initial Rate
5.7%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£727.95

APR
5.9%

compare

Direct Term Variable £60 Fee Further Advance Borrower <2 years

Initial Rate
5.7%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£727.22

APR
5.9%

compare

Term Variable No Fee

Initial Rate
5.7%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£727.95

APR
5.9%

compare

Standard Term Variable No Fee

Initial Rate
5.99%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£765.99

APR
6.2%

compare

Small Woodlands & Moorings Term Variable £300 Fee

Initial Rate
6.5%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£803.67

APR
6.8%

compare



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Recent mortgage Q&A

What is a variable rate mortgage?

Variable Rate Mortgages

Variable Rate Mortgages

Mortgage deals usually move onto the lenders Standard Variable Rate (SVR) after a fixed rate, or introductory period has ended. The SVR is your mortgage lenders “default” or standard product usually after the initial period has expired.

SVR deals can go up and down and is your lenders choice as to what the rate will be and how much interest they will charge. Generally SVR deals are in alignment with the BOE base rate, however this isn’t always case and shouldn’t be confused with a tracker mortgage.

Variable rate mortgage vs a fixed rate deal?

Since we have had a long period of all time low interest rates, we have also had a long period of low rate SVR mortgages. Many people on Standard Variable Rate mortgages are paying low rates of interest and are happy to continue on the product.

What are the drawbacks to variable rate mortgages?

The lender could at any time increase their SVR mortgage product rates and you may be forced into a position of having to find a better deal to keep costs down.

Mortgage Advice

What mortgage deals are out there?

You can simply use the mortgage search here on the website to view and compare the deals side by side. Alternatively you can speak to a mortgage expert who will go through all the options and choices open to you.

How can I get mortgage advice?

For advice or guidance then speak to a mortgage expert here on the website. Our advice is free and we’ll provide you with choice and options from the whole UK mortgage market place.

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