19/08/2026
SVR.
Three letters your lender is counting on you never Googling.
When your fixed rate ends, your lender automatically moves you onto their Standard Variable Rate. They are not required to tell you this is happening. They just do it.
SVR is set by the lender, not the Bank of England. And it is almost always significantly higher than what is available on the open market.
The gap between SVR and the best available rate right now can be worth hundreds of pounds a month.
Morrow searches over 90 lenders to find out what the market actually looks like for your situation. The check is a soft search, no mark on your credit file, no commitment. You find out where you stand and you decide what to do next.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Go and Google SVR. Then fill out the form. Link in bio.