Variable rate mortgage

Variable Rate Mortgage

Our Variable Rate Mortgage is the standard mortgage product from Adam & Company and is intended as the destination product for maturing Tracker and Fixed Rate facilities.

Offering you a flexible mortgage

Repayment options can be tailored to meet your needs and you can make lump-sum reductions at any time during the term. You can also choose to move some or all of your mortgage to our Fixed Rate or Tracker Rate mortgages, or discuss alternative products at any time during the term. The Variable Rate Mortgage is suitable for all normal mortgage purposes, including purchase, remortgaging or acquiring a second home.


  • Interest only, capital and interest, or a combination of both repayment types is available.
  • Multi-element mortgages provide the ability to combine product types, repayment types, and terms to meet your needs.
  • Your Private Banker will tailor our products to meet your specific mortgage requirements.
  • Available for a wide range of purposes, including property purchase, remortgage, or improvement.

Important Information

  • Your main UK residence must be used as security.
  • Porting is available subject to discussion with your Private Banker.
  • No early repayment charges.
  • Product term from 2 to 25 years.
  • Sterling only.


If your home financing needs change, or if you wish to release equity, we can help you structure the most suitable mortgage for your circumstances.

More about remortgaging

Adam clients

To find out more about how a Variable Rate Loan from Adam & Company can meet your individual needs, please contact your Private Banker.

New clients

If you wish to become a client of Adam & Company, please complete this form or contact us on +44 (0)131 225 8484

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