Compare Variable Rate Mortgages

All the best variable rate mortgages, all in one place.
Find Your Perfect Mortgage!
Just enter how much you would like to borrow and how long you would like to pay it back.

Want to speak to someone instead? Call our chosen trusted partner, Lighthouse Mortgage & Protection Solutions (FCA registration number 195199), free on 08002761017

Your home is at risk if you do not keep up your mortgage repayments on it or any other debts secured against the property.

Compare the best
Discounted Mortgages

100 results found, sorted by affiliated products first.
Nationwide Building Society | Flex 2yr BBR + 0.69% R/M Legs LTV 60%
60

Max LTV

0

Month Term

£999

Setup Fee

1.44%

Initial Rate

4.24%

Standard Rate

Santander | 2yr BBR + 0.69% R/M C/B LTV 60% Direct Online Excl
60

Max LTV

0

Month Term

£999

Setup Fee

1.44%

Initial Rate

4%

Standard Rate

Santander | 2yr BBR + 0.69% R/M LTV 60% Direct Online Excl
60

Max LTV

0

Month Term

£999

Setup Fee

1.44%

Initial Rate

4%

Standard Rate

Barclays | 2yr BBR + 0.73% Ex/B LTV 60%
N/A

Max LTV

0

Month Term

£1,999

Setup Fee

1.48%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 0.74% R/M C/B LTV 60% >£500K
60

Max LTV

0

Month Term

£1,999

Setup Fee

1.49%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 0.74% R/M LTV 60% >£500K
60

Max LTV

0

Month Term

£1,999

Setup Fee

1.49%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 0.74% R/M V&L LTV 60% >£500K
60

Max LTV

0

Month Term

£1,999

Setup Fee

1.49%

Initial Rate

4.24%

Standard Rate

Santander | 2yr BBR + 0.74% R/M C/B LTV 60% Semi Exclusive
60

Max LTV

0

Month Term

£999

Setup Fee

1.49%

Initial Rate

4%

Standard Rate

Santander | 2yr BBR + 0.74% R/M LTV 60% Semi Exclusive
60

Max LTV

0

Month Term

£999

Setup Fee

1.49%

Initial Rate

4%

Standard Rate

Santander | 2yr BBR + 0.74% H/P LTV 60% Semi Exclusive
N/A

Max LTV

0

Month Term

£999

Setup Fee

1.49%

Initial Rate

4%

Standard Rate

Barclays | 2yr BBR + 0.78% Ex/B LTV 60%
N/A

Max LTV

0

Month Term

£999

Setup Fee

1.53%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 0.79% R/M C/B LTV 60%
60

Max LTV

0

Month Term

£999

Setup Fee

1.54%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 0.79% R/M LTV 60%
60

Max LTV

0

Month Term

£999

Setup Fee

1.54%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 0.79% H/P LTV 60%
N/A

Max LTV

0

Month Term

£999

Setup Fee

1.54%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 0.79% R/M V&L LTV 60%
60

Max LTV

0

Month Term

£999

Setup Fee

1.54%

Initial Rate

4.24%

Standard Rate

Nationwide Building Society | Flex 2yr BBR + 0.84% R/M Legs LTV 75%
75

Max LTV

0

Month Term

£999

Setup Fee

1.59%

Initial Rate

4.24%

Standard Rate

Skipton Building Society | Flex 2yr BBR + 0.99% LTV 80%
80

Max LTV

0

Month Term

£0

Setup Fee

1.74%

Initial Rate

4.99%

Standard Rate

Barclays | 2yr BBR + 1.00% H/P LTV 75%
N/A

Max LTV

0

Month Term

£999

Setup Fee

1.75%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 1.00% R/M V&L LTV 75%
75

Max LTV

0

Month Term

£999

Setup Fee

1.75%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 1.00% R/M LTV 75%
75

Max LTV

0

Month Term

£999

Setup Fee

1.75%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 1.00% R/M LTV 75% >£500K
75

Max LTV

0

Month Term

£1,999

Setup Fee

1.75%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 1.00% R/M V&L LTV 75%>£500K
75

Max LTV

0

Month Term

£1,999

Setup Fee

1.75%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 1.00% R/M LTV 75% >£2M
75

Max LTV

0

Month Term

£2,499

Setup Fee

1.75%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 1.00% R/M V&L LTV 75% >£2M
75

Max LTV

0

Month Term

£2,499

Setup Fee

1.75%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 1.00% R/M LTV 70% >£5M
70

Max LTV

0

Month Term

£3,499

Setup Fee

1.75%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 1.00% Ex/B LTV 80%
N/A

Max LTV

0

Month Term

£999

Setup Fee

1.75%

Initial Rate

4.24%

Standard Rate

Barclays | OPFM 2yr BBR + 1.03% Offset Ex/B LTV 80%
N/A

Max LTV

0

Month Term

£1,749

Setup Fee

1.78%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 1.04% H/P Ex/B LTV 75% Mover Reward
N/A

Max LTV

0

Month Term

£499

Setup Fee

1.79%

Initial Rate

4.24%

Standard Rate

Barclays | OPFM 2yr BBR + 1.04% Offset R/M LTV 75%
75

Max LTV

0

Month Term

£1,749

Setup Fee

1.79%

Initial Rate

4.24%

Standard Rate

Barclays | OPFM 2yr BBR + 1.04% Offset H/P LTV 75%
N/A

Max LTV

0

Month Term

£1,749

Setup Fee

1.79%

Initial Rate

4.24%

Standard Rate

Barclays | OPFM 2yr BBR + 1.04% Offset R/M V&L LTV 75%
75

Max LTV

0

Month Term

£1,749

Setup Fee

1.79%

Initial Rate

4.24%

Standard Rate

Newcastle Building Society | 2yr BBR + 1.05% LTV 60%
60

Max LTV

0

Month Term

£498

Setup Fee

1.8%

Initial Rate

5.99%

Standard Rate

Barclays | 2yr BBR + 1.08% Ex/B LTV 60% No Fee
N/A

Max LTV

0

Month Term

£0

Setup Fee

1.83%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 1.08% H/P LTV 60% No Fee
N/A

Max LTV

0

Month Term

£0

Setup Fee

1.83%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 1.08% R/M LTV 60% No Fee
60

Max LTV

0

Month Term

£0

Setup Fee

1.83%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 1.08% R/M V&L LTV 60% No Fee
60

Max LTV

0

Month Term

£0

Setup Fee

1.83%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 1.08% R/M C/B LTV 60% No Fee
60

Max LTV

0

Month Term

£0

Setup Fee

1.83%

Initial Rate

4.24%

Standard Rate

Nationwide Building Society | Flex 2yr BBR + 1.09% R/M Legs LTV 60%
60

Max LTV

0

Month Term

£0

Setup Fee

1.84%

Initial Rate

4.24%

Standard Rate

Newcastle Building Society | 2yr BBR + 1.10% LTV 80%
80

Max LTV

0

Month Term

£498

Setup Fee

1.85%

Initial Rate

5.99%

Standard Rate

Newcastle Building Society | 2yr BBR + 1.15% LTV 60% No Fee
60

Max LTV

0

Month Term

£0

Setup Fee

1.9%

Initial Rate

5.99%

Standard Rate

Skipton Building Society | Flex 2yr BBR + 1.15% LTV 80% No ERC
80

Max LTV

0

Month Term

£995

Setup Fee

1.9%

Initial Rate

4.99%

Standard Rate

Nationwide Building Society | Flex 2yr BBR + 1.19% R/M Legs LTV 80%
80

Max LTV

0

Month Term

£999

Setup Fee

1.94%

Initial Rate

4.24%

Standard Rate

Nationwide Building Society | Flex 2yr BBR + 1.19% R/M Legs LTV 85%
85

Max LTV

0

Month Term

£999

Setup Fee

1.94%

Initial Rate

4.24%

Standard Rate

Nationwide Building Society | Flex 2yr BBR + 1.19% R/M HTB C/B LTV 85%
85

Max LTV

0

Month Term

£999

Setup Fee

1.94%

Initial Rate

4.24%

Standard Rate

Nationwide Building Society | Flex 2yr BBR + 1.19% R/M HTB Legs LTV 85%
85

Max LTV

0

Month Term

£999

Setup Fee

1.94%

Initial Rate

4.24%

Standard Rate

Newcastle Building Society | 2yr BBR + 1.20% LTV 80% No Fee
80

Max LTV

0

Month Term

£0

Setup Fee

1.95%

Initial Rate

5.99%

Standard Rate

Coventry | Flexx 1.95% Term Variable LTV 50% No ERC
50

Max LTV

0

Month Term

£999

Setup Fee

1.95%

Initial Rate

0%

Standard Rate

Skipton Building Society | Flex 2yr BBR + 1.24% LTV 80% I/O
80

Max LTV

0

Month Term

£0

Setup Fee

1.99%

Initial Rate

4.99%

Standard Rate

Virgin Money | 2yr BBR + 1.24% LTV 85% Ex/B
N/A

Max LTV

0

Month Term

£995

Setup Fee

1.99%

Initial Rate

4.99%

Standard Rate

Nationwide Building Society | Flex 2yr BBR + 1.24% R/M Legs LTV 75%
75

Max LTV

0

Month Term

£0

Setup Fee

1.99%

Initial Rate

4.24%

Standard Rate

Coventry | Flexx 2.05% Term Variable LTV 65% No ERC
65

Max LTV

0

Month Term

£999

Setup Fee

2.05%

Initial Rate

0%

Standard Rate

Barclays | OPFM 2yr BBR + 1.33% Offset Ex/B LTV 80%
N/A

Max LTV

0

Month Term

£499

Setup Fee

2.08%

Initial Rate

4.24%

Standard Rate

Barclays | OPFM 2yr BBR + 1.34% Offset R/M LTV 75%
75

Max LTV

0

Month Term

£499

Setup Fee

2.09%

Initial Rate

4.24%

Standard Rate

Barclays | OPFM 2yr BBR + 1.34% Offset R/M V&L LTV 75%
75

Max LTV

0

Month Term

£499

Setup Fee

2.09%

Initial Rate

4.24%

Standard Rate

Barclays | OPFM 2yr BBR + 1.34% Offset H/P LTV 75%
N/A

Max LTV

0

Month Term

£499

Setup Fee

2.09%

Initial Rate

4.24%

Standard Rate

Coventry | Flexx 2.09% Term Variable Offset LTV 50%
50

Max LTV

0

Month Term

£999

Setup Fee

2.09%

Initial Rate

0%

Standard Rate

Barclays | 2yr BBR + 1.35% Ex/B LTV 80% No Fee
N/A

Max LTV

0

Month Term

£0

Setup Fee

2.1%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 1.35% H/P LTV 75% No Fee
N/A

Max LTV

0

Month Term

£0

Setup Fee

2.1%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 1.35% R/M LTV 75% No Fee
75

Max LTV

0

Month Term

£0

Setup Fee

2.1%

Initial Rate

4.24%

Standard Rate

Barclays | 2yr BBR + 1.35% R/M V&L LTV 75% No Fee
75

Max LTV

0

Month Term

£0

Setup Fee

2.1%

Initial Rate

4.24%

Standard Rate

Santander | 2yr BBR + 1.39% H/P C/B LTV 75% H2B Eq Loan Int
N/A

Max LTV

0

Month Term

£999

Setup Fee

2.14%

Initial Rate

4%

Standard Rate

Nationwide Building Society | Flex 2yr BBR + 1.39% R/M Legs LTV 90%
90

Max LTV

0

Month Term

£999

Setup Fee

2.14%

Initial Rate

4.24%

Standard Rate

Nationwide Building Society | Flex 2yr BBR + 1.39% R/M HTB C/B LTV 90%
90

Max LTV

0

Month Term

£999

Setup Fee

2.14%

Initial Rate

4.24%

Standard Rate

Nationwide Building Society | Flex 5yr BBR + 1.39% R/M Legs LTV 60%
60

Max LTV

0

Month Term

£999

Setup Fee

2.14%

Initial Rate

4.24%

Standard Rate

Nationwide Building Society | Flex 2yr BBR + 1.39% R/M HTB Legs LTV 90%
90

Max LTV

0

Month Term

£999

Setup Fee

2.14%

Initial Rate

4.24%

Standard Rate

Coventry | Flexx 2.15% Term Variable LTV 75% No ERC
75

Max LTV

0

Month Term

£999

Setup Fee

2.15%

Initial Rate

0%

Standard Rate

Nationwide Building Society | Flex 5yr BBR + 1.44% R/M Legs LTV 75%
75

Max LTV

0

Month Term

£999

Setup Fee

2.19%

Initial Rate

4.24%

Standard Rate

Coventry | Flexx 2.19% Term Variable Offset LTV 65%
65

Max LTV

0

Month Term

£999

Setup Fee

2.19%

Initial Rate

0%

Standard Rate

Virgin Money | 2yr BBR + 1.49% LTV 85% Ex/B
N/A

Max LTV

0

Month Term

£995

Setup Fee

2.24%

Initial Rate

4.99%

Standard Rate

Coventry | Flexx 2.25% Term Variable LTV 50% No ERC
50

Max LTV

0

Month Term

£499

Setup Fee

2.25%

Initial Rate

0%

Standard Rate

Coventry | Flexx 2.25% Term Variable LTV 85% No ERC
85

Max LTV

0

Month Term

£999

Setup Fee

2.25%

Initial Rate

0%

Standard Rate

Coventry | Flexx 2.29% Term Variable Offset LTV 75%
75

Max LTV

0

Month Term

£999

Setup Fee

2.29%

Initial Rate

0%

Standard Rate

Scottish Widows Bank | Prof 2yr BBR + 1.54% R/M Offset C/B LTV 60% Int
60

Max LTV

0

Month Term

£0

Setup Fee

2.29%

Initial Rate

4.24%

Standard Rate

Scottish Widows Bank | Prof 2yr BBR + 1.54% R/M Offset Leg LTV 60% Int
60

Max LTV

0

Month Term

£0

Setup Fee

2.29%

Initial Rate

4.24%

Standard Rate

Scottish Widows Bank | Prof 2yr BBR +1.54% R/M Offset C/B LTV 60% Int
60

Max LTV

0

Month Term

£0

Setup Fee

2.29%

Initial Rate

4.24%

Standard Rate

Scottish Widows Bank | Prof 2yr BBR +1.54% R/M Offset Leg LTV 60% Int
60

Max LTV

0

Month Term

£0

Setup Fee

2.29%

Initial Rate

4.24%

Standard Rate

Scottish Widows Bank | Flex 2yr BBR + 1.54% R/M Off C/B LTV 60% Int I/O
60

Max LTV

0

Month Term

£0

Setup Fee

2.29%

Initial Rate

4.24%

Standard Rate

Scottish Widows Bank | Flex 2yr BBR + 1.54% R/M Off Leg LTV 60% Int I/O
60

Max LTV

0

Month Term

£0

Setup Fee

2.29%

Initial Rate

4.24%

Standard Rate

Scottish Widows Bank | Flex 2yr BBR + 1.54% R/M Offset C/B LTV 60% Int
60

Max LTV

0

Month Term

£0

Setup Fee

2.29%

Initial Rate

4.24%

Standard Rate

Scottish Widows Bank | Flex 2yr BBR + 1.54% R/M Offset Leg LTV 60% Int
60

Max LTV

0

Month Term

£0

Setup Fee

2.29%

Initial Rate

4.24%

Standard Rate

Nationwide Building Society | Flex 2yr BBR + 1.59% R/M HTB C/B LTV 85%
85

Max LTV

0

Month Term

£0

Setup Fee

2.34%

Initial Rate

4.24%

Standard Rate

Nationwide Building Society | Flex 2yr BBR + 1.59% R/M Legs LTV 80%
80

Max LTV

0

Month Term

£0

Setup Fee

2.34%

Initial Rate

4.24%

Standard Rate

Nationwide Building Society | Flex 2yr BBR + 1.59% R/M Legs LTV 85%
85

Max LTV

0

Month Term

£0

Setup Fee

2.34%

Initial Rate

4.24%

Standard Rate

Nationwide Building Society | Flex 2yr BBR + 1.59% R/M HTB Legs LTV 85%
85

Max LTV

0

Month Term

£0

Setup Fee

2.34%

Initial Rate

4.24%

Standard Rate

Coventry | Flexx 2.35% Term Variable LTV 65% No ERC
65

Max LTV

0

Month Term

£499

Setup Fee

2.35%

Initial Rate

0%

Standard Rate

Coventry | Flexx 2.39% Term Variable LTV 90% No ERC
90

Max LTV

0

Month Term

£999

Setup Fee

2.39%

Initial Rate

0%

Standard Rate

Skipton Building Society | 2yr BBR + 1.64% New Build H/P LTV 90%
N/A

Max LTV

0

Month Term

£0

Setup Fee

2.39%

Initial Rate

4.99%

Standard Rate

Coventry | Flexx 2.45% Term Variable LTV 75% No ERC
75

Max LTV

0

Month Term

£499

Setup Fee

2.45%

Initial Rate

0%

Standard Rate

Tesco Bank | 2yr BBR + 1.70% H/P LTV 90%
N/A

Max LTV

0

Month Term

£995

Setup Fee

2.45%

Initial Rate

4.04%

Standard Rate

Tesco Bank | 2yr BBR + 1.70% R/M LTV 90%
90

Max LTV

0

Month Term

£995

Setup Fee

2.45%

Initial Rate

4.04%

Standard Rate

Barclays | OPFM Term BBR + 1.73% Offset Ex/B LTV 80%
N/A

Max LTV

0

Month Term

£1,999

Setup Fee

2.48%

Initial Rate

0%

Standard Rate

Barclays | OPFM Term BBR + 1.74% Offset R/M LTV 75%
75

Max LTV

0

Month Term

£1,999

Setup Fee

2.49%

Initial Rate

0%

Standard Rate

Barclays | OPFM Term BBR + 1.74% Offset H/P LTV 75%
N/A

Max LTV

0

Month Term

£1,999

Setup Fee

2.49%

Initial Rate

0%

Standard Rate

Barclays | OPFM Term BBR + 1.74% Offset R/M V&L LTV 75%
75

Max LTV

0

Month Term

£1,999

Setup Fee

2.49%

Initial Rate

0%

Standard Rate

Nationwide Building Society | Flex 2yr BBR + 1.79% R/M HTB Legs LTV 90%
90

Max LTV

0

Month Term

£0

Setup Fee

2.54%

Initial Rate

4.24%

Standard Rate

Nationwide Building Society | Flex 2yr BBR + 1.79% R/M Legs LTV 90%
90

Max LTV

0

Month Term

£0

Setup Fee

2.54%

Initial Rate

4.24%

Standard Rate

Nationwide Building Society | Flex 2yr BBR + 1.79% R/M HTB C/B LTV 90%
90

Max LTV

0

Month Term

£0

Setup Fee

2.54%

Initial Rate

4.24%

Standard Rate

Coventry | Flexx 2.55% Term Variable LTV 85% No ERC
85

Max LTV

0

Month Term

£499

Setup Fee

2.55%

Initial Rate

0%

Standard Rate

Coventry | Flexx 2.69% Term Variable LTV 90% No ERC
90

Max LTV

0

Month Term

£499

Setup Fee

2.69%

Initial Rate

0%

Standard Rate

Virgin Money | 2yr BBR + 1.94% LTV 85% Ex/B
N/A

Max LTV

0

Month Term

£0

Setup Fee

2.69%

Initial Rate

4.99%

Standard Rate

Compare Variable Rate Mortgages

Search for competitive variable mortgage deals today
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.

Mortgage
Types

No matter what kind of mortgage you’re after, we’ll help you find it. Use the tabs above the table to switch between fixed rate, discounted, and variable rate mortgages. Within each type, we’ll make sure that you get a mortgage suited exactly to your needs and priorities, whether you’re after the lowest interest rates, the fewest fees or anything else.

We can also help you if you’re looking to remortgage or release equity from your home.