Standard variable rate mortgage

Do you want a mortgage which keeps your options open?

If you are looking for a mortgage which lets you keep your options open, our standard variable rate mortgage offers a wide range of benefits. It is available up to 95% loan to value (70% maximum loan to value for interest only loans) in England, Wales and Scotland.

With our standard variable rate mortgage you can make unlimited lump-sum repayments. Plus if you are unsure what the future holds, you can redeem the mortgage at any time with no early repayment charges to pay.

There are no product fees for you to pay when you take out this standard variable rate mortgage, but you will have to pay an account fee of £120. You will need to pay a valuation fee according to the Society’s scale and the actual amount depends on the value of the property. You may have to pay a higher lending charge, depending on the size of the loan. For more information on the key features of this particular mortgage, take a look at the details below.

Interest Rate
For the remainder of the term of the mortgage, changing to our SVR currently
5.95% and remaining on standard variable rate terms for the rest of the mortgage
Overall cost for comparison
6.1% APRC
£0 Product fee
£120 Account Fee
Key features

Up to 95% LTV (70% max LTV for interest only loans).

No product fee.

£120 account fee.

There are no early repayment charges.

You can make unlimited lump-sum repayments.

Higher Lending Charge is paid by Society if applicable.


None compulsory.


Home mover/remortgage (moving mortgage from another lender).

Mortgaged property is your permanent home.

Higher lending charge
Payable by Society if applicable.
Capital repayments
Unlimited lump-sum repayments.
Early repayment charge
There is no early repayment charge if you pay off your mortgage early.

Available for additional borrowing subject to a £215 fee paid by applicant.

(70% maximum loan to value for interest only loans).

Darlington Building Society are required to provide you with Standard Information which is a representative of the current mortgage, which is set out below:

Society Example
The total amount of the credit
Duration of the contract
22 Years
The duration of the svr period
22 Years
The initial svr rate
The amount of the svr rate instalments
The number of the svr instalments
The frequency of the svr instalments
Our Standard Variable Rate (SVR)
The duration of the SVR period
22 Years (variable)
The frequency of the SVR instalments
The amount of SVR instalments
The total amount payable
The total amount of interest payable
Mortgage exit fee
Product fee
Account fee
The overall cost for comparison
6.1% APRC
Representative example summary

If all or part of your income is in a currency other than Pound Sterling (£), you should be aware about the risks of fluctuations in currency exchange rates. If the value of the relevant currency moves against you by at least 20% then that may make it more difficult for you to afford your mortgage payments.

The Representative Example is based on mortgages sold between 01/01/2017 – 31/12/2017 and if you were to take your mortgage product as at 01/10/2018.

All above information is for illustration purposes only and may vary depending on personal circumstances.

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Want to speak to a friendly staff member?

Sometimes it's easier to discuss things face-to-face. All our branches have staff ready and waiting to talk. If you’d like to discuss your options or you think you need help, call in at your local branch.

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Our staff will be more than happy to help with any questions or queries

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