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    Bank of england base rate cuts

    The Bank of England has reduced base rate by 0.50% to 0.25% on March 11th, with a further reduction to 0.10% on the 19th.

    Here’s our breakdown of how lenders are reacting to these cuts, so you can see whether yours has reduced its Standard Variable Rate (SVR rate). We’ will be keeping a close eye on recent developments and will update this page as of any changes. We’ve also shown how they reacted to the previous base rate increase in August 2018.

    Do not forget that if currently, you are paying your lender’s SVR rate, the chances are you can substantially reduce your monthly mortgage costs by switching to a cheaper deal. Look at`your rate and check our best guides to see if you can find a better mortgage. Our expert mortgage advisers are on hand if you want to talk through the options available to you.

    Lender August 2018 Change Current SVR 11 March Change New SVR 19 March change Newest SVR
    Accord No change 4.99
    Aldermore 0.25 5.23
    Bank of Ireland 0.25 4.74 -0.50 4.24
    Barclays 0.25 5.24 -0.50 4.74
    Bath BS 0.15 5.44
    Beverley 0.24 4.99
    BM Solutions 0.25 5.09 -0.50 4.59
    Buckinghamshire No change 5.24
    Cambridge 0.25 5.24
    Chelsea No change 4.99
    Chorley BS 0.25 5.74
    Clydesdale / Yorkshire Bank 0.25 5.20
    Co-op 0.25 4.99 -0.50 4.49
    Coventry 0.25 4.99
    Cumberland 0.25 4.74
    Cynergy Bank 0.25 4.75
    Darlington 0.25 5.95
    Digital Mortgages (Atom Bank) 0.25 4.00
    Dudley No change 4.99
    Earl Shilton No change 5.24
    Ecology BS No change 4.65
    Family BS (National Counties) 0.25 5.04
    First Direct 0.25 4.19
    Furness 0.25 5.79
    Halifax / Lloyds 0.25 4.24 -0.50 3.74
    Handelsbanken No change 4.25
    Hanley Economic 0.25 5.44
    Harpenden No change 4.19
    Hinckley & Rugby 0.25 6.14
    Hodge Lifetime 0.25 4.70
    HSBC 0.25 4.19 -0.50 3.69
    Ipswich 0.25 5.74
    Kent Reliance 0.25 6.33
    Leeds No change 5.69
    Leek United 0.25 5.69
    Loughborough BS 0.25 5.34
    Manchester 0.25 5.74
    Mansfield 0.16 5.75
    Market Harborough No change 5.49
    Marsden 0.25 6.20
    Melton Mowbray No change 4.99
    Metro Bank 0.25 4.25
    Monmouthshire 0.25 5.24
    Nationwide 0.25 4.24 -0.50 3.74
    Nationwide (pre Apr ’09) 0.25 2.75 -0.50 2.25 -0.15 2.10
    NatWest / RBS 0.25 4.24 -0.50 3.74
    Newbury 0.25 4.45
    Newcastle No change 5.99
    Nottingham 0.25 5.74
    Paragon 0.25 5.60
    Penrith 0.35 4.75
    Platform 0.25 4.99 -0.50 4.49
    Principality 0.15 5.05
    Saffron BS 0.25 5.64
    Sainsbury’s Bank 0.25 4.49
    Santander 0.25 4.99 -0.50 4.49 -0.15 4.34
    Santander Follow-on rate 0.25 4.00 -0.50 3.50 -0.15 3.35
    Scottish BS 0.15 5.29
    Scottish Widows 0.25 4.24 -0.50 3.74
    Skipton 0.25 4.99
    Stafford Railway 0.25 3.45
    Teachers BS 0.25 5.24
    Tesco Bank No change 4.04
    Tipton & Coseley 0.25 5.24
    TSB 0.25 4.24 -0.50 3.74
    Vernon BS 0.25 5.20
    Virgin Money 0.20 4.99 -0.50 4.49
    West Bromwich 0.25 4.49 -0.50 3.99
    Yorkshire B S No change 4.99

     

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