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A Standard Variable Rate is a type of mortgage interest rate. It is set by the lender giving you a mortgage, and the rate can go up or down at any time.

It's not directly tied to the Bank of England's interest rate, however it does usually go up or down in line with it.

If you have an offset mortgage then this will have its own rate which can go up or down independently.

To understand our interest rates and changes to them, visit our interest rates (opens in a new window) page.

Your home may be repossessed if you do not keep up repayments on your mortgage

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