Find the Perfect Variable Mortgage!

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Compare Variable Mortgages

All the best variable rate mortgages, all in one place.

Enter the details of the loan you’re after in the form to the leftabove. This will let us filter the results so that you only see mortgages that fit your requirements.

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Compare The Best Mortgages

Nationwide Building Society | Flex 2yr BBR +0.84% H/P LTV 60% Ex/B C/B

0
Max LTV

0
Month Term

£999
Setup Fee

1.09%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +0.84% LTV 60% Ex/B C/B Switch Direct

0
Max LTV

0
Month Term

£999
Setup Fee

1.09%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +0.84% LTV 60% Ex/B C/B Switch Online

0
Max LTV

0
Month Term

£999
Setup Fee

1.09%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +0.85% R/M C/B LTV 60% FDM

60
Max LTV

0
Month Term

£999
Setup Fee

1.1%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +0.85% R/M Legs LTV 60% FDM

60
Max LTV

0
Month Term

£999
Setup Fee

1.1%
Initial Rate

3.74%
Standard Rate

Santander | 2yr BBR + 0.89% H/P LTV 60% Direct Online Excl

0
Max LTV

0
Month Term

£999
Setup Fee

1.14%
Initial Rate

4.49%
Standard Rate

Santander | 2yr BBR + 0.89% R/M C/B LTV 60% Direct Online Excl

60
Max LTV

0
Month Term

£999
Setup Fee

1.14%
Initial Rate

4.49%
Standard Rate

Santander | 2yr BBR + 0.89% R/M LTV 60% Direct Online Excl

60
Max LTV

0
Month Term

£999
Setup Fee

1.14%
Initial Rate

4.49%
Standard Rate

Yorkshire Building Society | 2yr BBR + 0.93% LTV 75% Direct

75
Max LTV

0
Month Term

£995
Setup Fee

1.18%
Initial Rate

4.74%
Standard Rate

Barclays | 2yr BBR + 0.93% R/M C/B LTV 60% >£500k

60
Max LTV

0
Month Term

£1,499
Setup Fee

1.18%
Initial Rate

3.74%
Standard Rate

Barclays | 2yr BBR + 0.93% R/M LTV 60% >£500k

60
Max LTV

0
Month Term

£1,499
Setup Fee

1.18%
Initial Rate

3.74%
Standard Rate

Barclays | 2yr BBR + 0.93% R/M V&L LTV 60% >£500k

60
Max LTV

0
Month Term

£1,499
Setup Fee

1.18%
Initial Rate

3.74%
Standard Rate

Barclays | 2yr BBR + 0.93% Ex/B LTV 60%

0
Max LTV

0
Month Term

£1,249
Setup Fee

1.18%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +0.94% R/M C/B LTV 60%

60
Max LTV

0
Month Term

£999
Setup Fee

1.19%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +0.94% R/M Legs LTV 60%

60
Max LTV

0
Month Term

£999
Setup Fee

1.19%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +0.94% FTB C/B LTV 60%

0
Max LTV

0
Month Term

£999
Setup Fee

1.19%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +0.94% H/P LTV 60%

0
Max LTV

0
Month Term

£999
Setup Fee

1.19%
Initial Rate

3.74%
Standard Rate

Barclays | 2yr BBR + 0.98% Ex/B LTV 60%

0
Max LTV

0
Month Term

£849
Setup Fee

1.23%
Initial Rate

3.74%
Standard Rate

Barclays | 2yr BBR + 0.98% R/M C/B LTV 60%

60
Max LTV

0
Month Term

£999
Setup Fee

1.23%
Initial Rate

3.74%
Standard Rate

Barclays | 2yr BBR + 0.98% R/M LTV 60%

60
Max LTV

0
Month Term

£999
Setup Fee

1.23%
Initial Rate

3.74%
Standard Rate

Barclays | 2yr BBR + 0.98% H/P LTV 60%

0
Max LTV

0
Month Term

£999
Setup Fee

1.23%
Initial Rate

3.74%
Standard Rate

Barclays | 2yr BBR + 0.98% R/M V&L LTV 60%

60
Max LTV

0
Month Term

£999
Setup Fee

1.23%
Initial Rate

3.74%
Standard Rate

Platform | 2yr BBR + 0.74% LTV 60% Semi Exclusive

60
Max LTV

0
Month Term

£999
Setup Fee

1.24%
Initial Rate

4.49%
Standard Rate

Accord Mortgages | 2yr BBR + 0.99% LTV 65% Semi Exclusive

65
Max LTV

0
Month Term

£995
Setup Fee

1.24%
Initial Rate

5.34%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +0.99% LTV 70% Ex/B C/B Switch Direct

0
Max LTV

0
Month Term

£999
Setup Fee

1.24%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +0.99% LTV 75% Ex/B C/B Switch Direct

0
Max LTV

0
Month Term

£999
Setup Fee

1.24%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +0.99% H/P LTV 70% Ex/B C/B

0
Max LTV

0
Month Term

£999
Setup Fee

1.24%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +0.99% H/P LTV 75% Ex/B C/B

0
Max LTV

0
Month Term

£999
Setup Fee

1.24%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +0.99% LTV 70% Ex/B C/B Switch Online

0
Max LTV

0
Month Term

£999
Setup Fee

1.24%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +0.99% LTV 75% Ex/B C/B Switch Online

0
Max LTV

0
Month Term

£999
Setup Fee

1.24%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.00% R/M C/B LTV 70% FDM

70
Max LTV

0
Month Term

£999
Setup Fee

1.25%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.00% R/M C/B LTV 75% FDM

75
Max LTV

0
Month Term

£999
Setup Fee

1.25%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.00% R/M Legs LTV 70% FDM

70
Max LTV

0
Month Term

£999
Setup Fee

1.25%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.00% R/M Legs LTV 75% FDM

75
Max LTV

0
Month Term

£999
Setup Fee

1.25%
Initial Rate

3.74%
Standard Rate

Virgin Money | 2yr BBR + 1.03% R/M LTV 65%

65
Max LTV

0
Month Term

£995
Setup Fee

1.28%
Initial Rate

4.54%
Standard Rate

Virgin Money | 2yr BBR + 1.05% H/P LTV 70%

0
Max LTV

0
Month Term

£995
Setup Fee

1.3%
Initial Rate

4.54%
Standard Rate

Virgin Money | 2yr BBR + 1.05% R/M LTV 70%

70
Max LTV

0
Month Term

£995
Setup Fee

1.3%
Initial Rate

4.54%
Standard Rate

Barclays | 2yr BBR + 1.05% R/M LTV 75% >£500k

75
Max LTV

0
Month Term

£1,499
Setup Fee

1.3%
Initial Rate

3.74%
Standard Rate

Barclays | 2yr BBR + 1.05% R/M V&L LTV 75%>£500k

75
Max LTV

0
Month Term

£1,499
Setup Fee

1.3%
Initial Rate

3.74%
Standard Rate

Barclays | Premier 2yr BBR + 1.05% H/P LTV 75%

0
Max LTV

0
Month Term

£1,249
Setup Fee

1.3%
Initial Rate

3.74%
Standard Rate

Barclays | 2yr BBR + 1.05% Ex/B LTV 80%

0
Max LTV

0
Month Term

£1,249
Setup Fee

1.3%
Initial Rate

3.74%
Standard Rate

Barclays | Premier 2yr BBR + 1.05% R/M LTV 75%

75
Max LTV

0
Month Term

£1,249
Setup Fee

1.3%
Initial Rate

3.74%
Standard Rate

Barclays | Premier 2yr BBR + 1.05% R/M V&L LTV 75%

75
Max LTV

0
Month Term

£1,249
Setup Fee

1.3%
Initial Rate

3.74%
Standard Rate

Virgin Money | 2yr BBR + 1.07% H/P LTV 75%

0
Max LTV

0
Month Term

£995
Setup Fee

1.32%
Initial Rate

4.54%
Standard Rate

Virgin Money | 2yr BBR + 1.07% R/M LTV 75%

75
Max LTV

0
Month Term

£995
Setup Fee

1.32%
Initial Rate

4.54%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.09% H/P LTV 70%

0
Max LTV

0
Month Term

£999
Setup Fee

1.34%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.09% R/M Legs LTV 70%

70
Max LTV

0
Month Term

£999
Setup Fee

1.34%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.09% H/P LTV 75%

0
Max LTV

0
Month Term

£999
Setup Fee

1.34%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.09% R/M Legs LTV 75%

75
Max LTV

0
Month Term

£999
Setup Fee

1.34%
Initial Rate

3.74%
Standard Rate

Platform | 2yr BBR + 0.84% LTV 70% Semi Exclusive

70
Max LTV

0
Month Term

£999
Setup Fee

1.34%
Initial Rate

4.49%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.09% H/P LTV 60% Ex/B EQS Inter

0
Max LTV

0
Month Term

£999
Setup Fee

1.34%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.09% R/M C/B LTV 70%

70
Max LTV

0
Month Term

£999
Setup Fee

1.34%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.09% R/M C/B LTV 75%

75
Max LTV

0
Month Term

£999
Setup Fee

1.34%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.09% FTB C/B LTV 70%

0
Max LTV

0
Month Term

£999
Setup Fee

1.34%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.09% FTB C/B LTV 75%

0
Max LTV

0
Month Term

£999
Setup Fee

1.34%
Initial Rate

3.74%
Standard Rate

Barclays | 2yr BBR + 1.10% Ex/B LTV 80%

0
Max LTV

0
Month Term

£849
Setup Fee

1.35%
Initial Rate

3.74%
Standard Rate

Barclays | 2yr BBR + 1.10% R/M LTV 75%

75
Max LTV

0
Month Term

£999
Setup Fee

1.35%
Initial Rate

3.74%
Standard Rate

Barclays | 2yr BBR + 1.10% H/P LTV 75%

0
Max LTV

0
Month Term

£999
Setup Fee

1.35%
Initial Rate

3.74%
Standard Rate

Barclays | 2yr BBR + 1.10% R/M V&L LTV 75%

75
Max LTV

0
Month Term

£999
Setup Fee

1.35%
Initial Rate

3.74%
Standard Rate

Platform | 2yr BBR + 0.84% LTV 75% Semi Exclusive

75
Max LTV

0
Month Term

£999
Setup Fee

1.37%
Initial Rate

4.49%
Standard Rate

Coventry | Flexx 1.39% Term Variable LTV 50% No ERC

50
Max LTV

0
Month Term

£999
Setup Fee

1.39%
Initial Rate

0%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.19% LTV 80% Ex/B C/B Switch Direct

0
Max LTV

0
Month Term

£999
Setup Fee

1.44%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.19% LTV 85% Ex/B C/B Switch Direct

0
Max LTV

0
Month Term

£999
Setup Fee

1.44%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.19% H/P LTV 80% Ex/B C/B

0
Max LTV

0
Month Term

£999
Setup Fee

1.44%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.19% H/P LTV 85% Ex/B C/B

0
Max LTV

0
Month Term

£999
Setup Fee

1.44%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.19% FTB C/B LTV 60% EQS Inter

0
Max LTV

0
Month Term

£999
Setup Fee

1.44%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.19% Fxd H/P LTV 70% Ex/B EQS Inter

0
Max LTV

0
Month Term

£999
Setup Fee

1.44%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.19% H/P LTV 60% EQS Inter

0
Max LTV

0
Month Term

£999
Setup Fee

1.44%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.19% LTV 80% Ex/B C/B Switch Online

0
Max LTV

0
Month Term

£999
Setup Fee

1.44%
Initial Rate

3.74%
Standard Rate

Sainsburys Bank | 2yr BBR + 1.19% LTV 60%

60
Max LTV

0
Month Term

£995
Setup Fee

1.44%
Initial Rate

3.99%
Standard Rate

Sainsburys Bank | 2yr BBR + 1.19% LTV 75%

75
Max LTV

0
Month Term

£995
Setup Fee

1.44%
Initial Rate

3.99%
Standard Rate

Santander | 2yr BBR + 1.19% R/M C/B LTV 60%

60
Max LTV

0
Month Term

£999
Setup Fee

1.44%
Initial Rate

4.49%
Standard Rate

Santander | 2yr BBR + 1.19% H/P LTV 60%

0
Max LTV

0
Month Term

£999
Setup Fee

1.44%
Initial Rate

4.49%
Standard Rate

Santander | 2yr BBR + 1.19% R/M LTV 60%

60
Max LTV

0
Month Term

£999
Setup Fee

1.44%
Initial Rate

4.49%
Standard Rate

Barclays | 2yr BBR + 1.20% R/M V&L LTV 70% >£2m

70
Max LTV

0
Month Term

£0
Setup Fee

1.45%
Initial Rate

3.74%
Standard Rate

Barclays | 2yr BBR + 1.20% R/M LTV 70% >£2m

70
Max LTV

0
Month Term

£0
Setup Fee

1.45%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.20% R/M C/B LTV 80% FDM

80
Max LTV

0
Month Term

£999
Setup Fee

1.45%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.20% R/M Legs LTV 80% FDM

80
Max LTV

0
Month Term

£999
Setup Fee

1.45%
Initial Rate

3.74%
Standard Rate

Coventry | Flexx 1.49% Term Variable LTV 65% No ERC

65
Max LTV

0
Month Term

£999
Setup Fee

1.49%
Initial Rate

0%
Standard Rate

Barclays | 2yr BBR + 1.24% R/M LTV 80% >£500k

80
Max LTV

0
Month Term

£1,499
Setup Fee

1.49%
Initial Rate

3.74%
Standard Rate

Barclays | 2yr BBR + 1.24% R/M V&L LTV 80% >£500k

80
Max LTV

0
Month Term

£1,499
Setup Fee

1.49%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.24% LTV 60% Ex/B C/B Switch Online

0
Max LTV

0
Month Term

£0
Setup Fee

1.49%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.24% Fxd H/P LTV 75% Ex/B EQS Inter

0
Max LTV

0
Month Term

£999
Setup Fee

1.49%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.24% H/P LTV 60% Ex/B C/B

0
Max LTV

0
Month Term

£0
Setup Fee

1.49%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.24% LTV 60% Ex/B C/B Switch Direct

0
Max LTV

0
Month Term

£0
Setup Fee

1.49%
Initial Rate

3.74%
Standard Rate

Virgin Money | 2yr BBR + 1.24% R/M LTV 65%

65
Max LTV

0
Month Term

£995
Setup Fee

1.49%
Initial Rate

4.54%
Standard Rate

The Mortgage Works | 2yr BBR + 1.24% Ex/B LTV 75%

0
Max LTV

0
Month Term

£495
Setup Fee

1.49%
Initial Rate

4.54%
Standard Rate

Platform | 2yr BBR + 0.99% LTV 80% Semi Exclusive

80
Max LTV

0
Month Term

£999
Setup Fee

1.49%
Initial Rate

4.49%
Standard Rate

Virgin Money | 2yr BBR + 1.25% R/M LTV 70%

70
Max LTV

0
Month Term

£995
Setup Fee

1.5%
Initial Rate

4.54%
Standard Rate

Virgin Money | 2yr BBR + 1.25% H/P LTV 70%

0
Max LTV

0
Month Term

£995
Setup Fee

1.5%
Initial Rate

4.54%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.25% R/M C/B LTV 60% FDM

60
Max LTV

0
Month Term

£0
Setup Fee

1.5%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.25% R/M Legs LTV 60% FDM

60
Max LTV

0
Month Term

£0
Setup Fee

1.5%
Initial Rate

3.74%
Standard Rate

Virgin Money | 2yr BBR + 1.27% H/P LTV 75%

0
Max LTV

0
Month Term

£995
Setup Fee

1.52%
Initial Rate

4.54%
Standard Rate

Virgin Money | 2yr BBR + 1.27% R/M LTV 75%

75
Max LTV

0
Month Term

£995
Setup Fee

1.52%
Initial Rate

4.54%
Standard Rate

Halifax | 2yr BBR + 1.28% H/P C/B LTV 60% Intermediary

0
Max LTV

0
Month Term

£999
Setup Fee

1.53%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.29% R/M Legs LTV 80%

80
Max LTV

0
Month Term

£999
Setup Fee

1.54%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.29% R/M Legs LTV 85%

85
Max LTV

0
Month Term

£999
Setup Fee

1.54%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.29% FTB C/B LTV 80%

0
Max LTV

0
Month Term

£999
Setup Fee

1.54%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.29% FTB C/B LTV 85%

0
Max LTV

0
Month Term

£999
Setup Fee

1.54%
Initial Rate

3.74%
Standard Rate

Nationwide Building Society | Flex 2yr BBR +1.29% H/P LTV 70% EQS Inter

0
Max LTV

0
Month Term

£999
Setup Fee

1.54%
Initial Rate

3.74%
Standard Rate

Compare Variable Rate Mortgage

Find competitive variable rate mortgages

Borrowing Made Easy

Money Expert’s free & impartial mortgage comparison tool makes finding the right deal easier than ever. Avoid all of the hassle of looking around for the best deals yourself.

Variable Rate Mortgages

With a variable rate mortgage, the amount of interest you pay will fluctuate throughout the loan term. There are two basic types of variable rate - tracker and standard.

With a tracker mortgage, your interest rate will stay a set percentage above the Bank of England’s base rate, typically 1-3%. For example, if you have a tracker rate of +1.5%, and the base rate is 0.5%, you’ll pay 2%.

With a standard variable mortgage, you’ll pay the lenders standard variable rate - which is a rate that they set themselves. While, in theory, lenders can change this as much as they please, in practise they’ll be constrained by general market pressures and public opinion.

Variable vsFixed

Whether to opt for a fixed or variable rate will depend in part on your financial circumstances, and in part on a judgement of how you think the market is likely to fare in the near future.

For most, the stability of a fixed rate is desirable. If you’ve got a bit of financial wiggle room each month though, and you’re confident that interest rates are likely to remain low for a while, a variable rate mortgage might suit you best.

Mortgage Comparison Process

Comparing variable rate mortgages with Money Expert is a simple process. The table above will show all of the deals available, but to get a better idea of those fit for you specifically, just enter a few details in the form at the top of this page.

This will allow us to filter the results according to the kind of mortgage you’re after, so you only see deals you actually want.

Once you’ve selected a deal, click through and fill in the form on the following page. This lets us know a bit more about what you need to borrow and why. Once you’ve sent that off, an adviser will be in touch who’ll guide you through the necessary steps. They will help make sure that you get exactly the right mortgage given your needs.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

MoneyExpert does not give advice on or recommend any particular product or service or whether it is suitable for your personal circumstances. The information provided is to help you to make your own choice about how to proceed.

For more information on mortgages and mortgage comparison, have a read through our guides