Rates compared
Variable mortgage: current rates compared
32 providers, cheapest guide rate 1.25 % (as of 18 August 2026) — automatically collected and updated regularly.
The variable mortgage has neither a fixed term nor a rate lock: the provider adjusts the rate at its own discretion in line with the market, but the mortgage can be terminated at short notice. It is considerably more expensive than SARON or fixed mortgages and today serves primarily as a flexible interim solution — for example before a sale, an inheritance settlement, or while the financing form is still open.
26 providers without an offer for “Variable” hidden.
Guide rates independent of property use and loan-to-value — automatically collected, last synchronised on 18 August 2026. Not an offer — only the providers' own terms apply.
Frequently asked questions about the Variable mortgage
How high are Variable mortgage rates at the moment?
As of 18 August 2026, the Variable mortgage in our comparison starts at 1.25% (cheapest guide rate among 32 providers). The rates are collected automatically and updated regularly; your personal rate depends on loan-to-value, affordability and property use.
Why is the variable mortgage more expensive than SARON and fixed?
It is flexible for both sides at any time — and providers charge a substantial rate premium for that flexibility. As a permanent financing it is therefore rarely the best choice, but it is practical as a short-term interim solution.
When does a variable mortgage make sense?
Typical cases: an upcoming sale of the property, a planned large amortisation, an inheritance settlement, or bridging the time until a SARON or fixed mortgage is concluded.
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