See what your payment could look like on your lender's SVR
When your fixed rate ends, your lender will usually move you onto their Standard Variable Rate, or SVR, which is typically higher and can change at any time. This tool takes your outstanding balance, remaining term and a rate you choose to test, and shows you what the monthly repayment could become. It's a way of checking the numbers before you decide whether to remortgage, transfer to a new product, or do nothing and let the fix end.
See what a rate change would do to your monthly repayment
This guide explains what the Variable Rate Stress Test calculates and how to read the result once you have it. It is for anyone whose fixed-rate deal is coming to an end and who wants to see, in pounds, what a move to a variable rate could mean for their monthly repayment. You will come away with a number to compare against your current payment.
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Enter your mortgage numbers
Type in your outstanding balance, the remaining term on your mortgage, and your current monthly repayment so the tool has a starting point.
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Set the rate you want to test
Choose the rate you want to test, whether that is your lender's Standard Variable Rate (SVR) or a rise of a percentage point or two, and the tool applies it to what you actually owe.
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Read the result against your current payment
Compare the new monthly figure against what you pay now, remembering that it is an illustration built from your inputs, not a quote from any lender.
Current Payment
If Rates Rise by 2%
Extra £0 per month
See what a rate rise would do to your payment
This tool takes your outstanding balance, remaining term and a rate you choose, and shows what your monthly repayment would look like at that rate. It's built for anyone whose fixed-rate deal is ending and wants a number before talking to a lender or broker. The result is an estimate based on what you enter, not a quote from any lender.
No sign-up · Works on any device · Always free
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