SVR Watch
Check your lender's current standard variable rate
Compare them against other lenders
Updated on 3rd November 2025
Voted the UK’s best mortgage broker for the 14th year running
Here's the latest SVRs - updated 3rd November 2025
The Bank of England on the 7th August 2025, voted to reduce the Base Rate by 0.25 percentage points, to 4.00%.
Here’s our rundown of how lenders have been reacting, so you can see where your mortgage lender's Standard Variable Rate (SVR) stands today. Remember that if you’re currently paying your lender’s SVR, the chances are you could substantially reduce your monthly mortgage costs by switching to a cheaper deal. Our remortgage calculator shows you the potential cost of staying on the SVR.
Review your rate and check our best buys to see today’s top deals. If you’re wondering if you should stick with your current lender or move to a new one when you remortgage, our Mortgage Finder can help you work it out. Simply enter some details and you’ll be able to compare your potential savings if you move onto your current lender’s best deal against your best deal with a new lender. And remember, our expert advisers are on hand if you want to talk through the mortgage options available to you.
Lender
Accord
Aldermore
Allied Irish
Atom Bank
BM Solutions
Bank of Ireland
Barclays
Bath BS
Beverley
Buckinghamshire
Cambridge
Chelsea
Chorley BS
Clydesdale
Co-op
Coventry
Cumberland
Darlington
Dudley
Earl Shilton
Ecology BS
Family BS
First Direct
Furness
Generation H
HSBC
Halifax
Handlesbanken
Hanley Economic
Harpenden
Hinckley & Rugby
Hodge Lifetime
Kent Reliance
Leeds
Leek United
Lloyds Bank
Loughborough BS
Mansfield
Market Harborough
Marsden
Melton Mowbray
Metro Bank
Monmouthshire
Mpowered
NatWest
Nationwide
Newbury
Newcastle
Nottingham
Paragon
Penrith
Principality
Saffron BS
Santander
Scottish BS
Scottish Widows
Skipton
Stafford Railway
Suffolk BS
Swansea
TSB
Teachers BS
The Mortgage Lender
The Mortgage Works
Tipton & Coseley
Vernon BS
Virgin Money
West Brom BS
Yorkshire BS
Previous SVR %
7.24
8.83
7.1
6.99
8.59
7.44
7.74
7.59
7.69
8.24
7.69
7.24
8.29
7.24
7.12
6.94
7.44
7.84
8.19
7.64
6.04
7.94
6.74
8.24
6.25
6.74
7.74
7.24
7.99
7.64
7.04
7.85
5.68
7.74
7.59
7.74
7.89
8.29
7.59
8.54
8.44
7.75
7.99
6.74
7.24
6.99
6.3
6.5
7.95
8.85
7.49
6.92
8.29
6.75
7.99
7.74
6.54
5.75
7.89
6.8
7.74
8.24
7
8.24
7.99
7.7
7.24
6.49
7.24
% Change
0.25
-
0.25
-
0.25
0.25
-
0.2
0.2
0.15
0.15
0.25
0.15
0.25
0.25
0.2
0.2
0.2
0.1
-
-
0.25
0.25
0.15
0.25
0.25
0.25
0.25
0.15
-
0.15
0.25
-
-
0.25
0.25
-
-
0.2
0.15
0.3
0.25
-
-
0.25
0.25
0.15
-
0.1
0.25
-
0.12
0.3
-
0.25
0.25
-
0.4
0.15
-
0.25
-
-
0.25
0.15
0.25
0.25
0.1
0.25
New SVR %
6.99
-
6.85
-
8.34
7.19
-
7.39
7.49
8.09
7.54
6.99
8.14
6.99
6.87
6.74
7.24
7.64
8.09
-
-
7.69
6.49
8.09
6
6.49
7.49
6.99
7.84
-
6.89
7.6
-
-
7.34
7.49
-
-
7.39
8.39
8.14
7.5
-
-
6.99
6.74
6.15
-
7.85
8.6
-
6.8
7.99
-
0.74
7.49
-
5.35
7.74
-
7.49
-
-
7.99
7.84
7.49
6.99
6.39
6.99
Last updated
November 3, 2025
Find out if you could get a better deal on your mortgage
Use our online mortgage finder to see what rates you could qualify for and how much it might cost.
Ready to find your perfect deal?
At L&C, we’re there from the very start of your journey to guide you through each and every step.
Variable rate mortgages
If you’re looking for a variable rate mortgage, we can provide all the help and advice you need to find the best deal.
Compare rates
Compare the latest & best mortgage interest rates from 90+ lenders at a glance, including any L&C exclusive deals.
Mortgage calculator
The L&C mortgage calculator helps you figure out how much you can borrow for a mortgage based on your income.
Start your mortgage online
See the deals you qualify for & how much you could borrow.