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mortgage guide

standard variable rate (SVR)

A lender’s SVR is the interest rate a borrower is charged if they are not tied in to a fixed rate and, as the name suggests, is subject to fluctuation; this means that a borrower’s monthly mortgage payment will fluctuate also.

SVRs are influenced by movements in other rates, e.g. the Bank of England base rate, but they are not directly linked to another rate.

Finding out more

If you would to discuss your mortgage requirements with us please contact us today.

Remember, your initial mortgage consultation with us is free, so call us on 0800 652 5636 to arrange a meeting at a time that is convenient with you.

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Registered in England No. 3487726. Registered Office, 295 Aylsham Road, Norwich, NR3 2RY. mortgages4me is a trading name of Smith & Pinching Financial Services Ltd, which is authorised and regulated by the Financial Services Authority. Our FSA registration number is 186616. You can verify this and other information by checking the FSA's register at their website www.fsa.gov.uk.

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

Equity release, home reversion and lifetime mortgage are complex products and you should request personalised information.

Think carefully before securing other debts against your home or property, as it essentially becomes security for those debts and may be repossessed if you do not keep up repayments on your mortgage. If you transfer a relatively short term debt to a longer term, you may pay back more interest in total.

Your initial consultation is free, but subsequent research and advice are subject to a £250 initial fee (mortgage business) or a £500 initial fee (equity release, home reversion and lifetime mortgage business). We receive a procuration fee from the lender or company for placing the business, but you can choose to pay us a fee instead and offset the initial fee.

The FSA does not regulate some aspects of buy to let mortgages. The guidance contained within this website is subject to the UK regulatory regime and is therefore targeted at customers in the UK. For our joint protection, telephone calls may be recorded and/or monitored.