standard variable rate

This page gathers news and insights on standard variable rates, including lender movements and the impact of SVR changes on borrowers. Read more below for ongoing coverage of SVR trends.

HSBC Tracker Mortgages

Check back weekly or favourite this page to keep an eye on the ever-changing rates.

1 Year Fixed Rate Mortgage

Buy to Let borrowers can take advantage of a short-term fixed rate with Nationwide from 2.99% with a product fee of 2% of the total loan amount. Barclays are offering 4.78% with no product fee for Existing Customers looking for a short-term fixed rate. TSB are also offering an Existing Customer Product Transfer Residential fixed rate at 5.70% with no product fee.

RECAP: BoE's latest rate decision, as it happened

Central bank poised to deliver latest rate announcement as economic storm clouds gather

Borrowers face renewed uncertainty as lenders reprice fixed mortgage deals

Swap rate volatility fuels divergent pricing strategies across major high street lenders

A mortgage broker’s guide to Newbury for intermediaries

Discover how Newbury for intermediaries supports mortgage brokers with flexible criteria, specialist underwriting, and solutions for complex client cases

Your guide to Atom bank for intermediaries

Atom bank for intermediaries offers a digital-first approach to mortgage lending. Here's what mortgage brokers need to know before signing up

Demise of sub-4% fixed mortgages as lenders reprice on higher swap rates

Global tensions also push pricing higher, with average two- and five-year fixed rates now above 5%

Mortgage shelf-life drops as lenders trim options

Market uncertainty drives faster product turnover than after the 2022 mini-Budget

Middle East tensions unsettle UK rate outlook

Energy-driven inflation risks and volatile swaps leave borrowers facing a more uncertain rate path

How will the Spring Statement affect mortgages?

Market tone, funding costs and borrower decisions hinge on economic signals rather than new housing policy