On 18 December, the Bank of England base rate went down by 0.25%. On 1 February 2026 our Base Rate Tracker mortgages will reduce by 0.25%. We're also making changes to our savings and mortgage rates. See what this means for you.
Godiva mortgages
Godiva mortgages

Bank of England base rate change

On 18 December 2025, the Bank of England base rate went down by 0.25% to 3.75%

Our mortgages rates

From 1 February 2026, Base Rate Tracker mortgages will decrease by 0.25%

 

Flexx for Term, Standard Variable Rate (SVR) and Privilege rate mortgages will reduce by 0.20% from this date.

 

If you have a mortgage with us and your payment is changing, we'll confirm this in writing and give you a minimum of five working days' notice.

 

If you're worried about paying your mortgage, we're here to help you get back in control of your finances. Getting in touch won't impact your credit score and we've got a range of tools to help you get back on track with your finances. See how we can help.

If you're worried about paying your mortgage, we're here to help you get back in control of your finances. Getting in touch won't impact your credit score. You can contact our Collections Department on 0800 121 8765, they're available Monday-Friday, 9am-5pm and Saturday 9am-12pm.

Our mortgages rates

On 1 February 2026, Base Rate Tracker mortgages decreased by 0.25%

 

Flexx for Term, Standard Variable Rate (SVR) and Privilege rate mortgages reduced by 0.20% from this date too.

 

If you have a mortgage with us and your payment changed, we confirmed this in writing, giving you a minimum of five working days' notice before your payment was taken. 

 

If you're worried about paying your mortgage, we're here to help you get back in control of your finances. Getting in touch won't impact your credit score and we've got a range of tools to help you get back on track with your finances. See how we can help.

If you're worried about paying your mortgage, we're here to help you get back in control of your finances. Getting in touch won't impact your credit score. You can contact our Collections Department on 0800 121 8765, they're available Monday-Friday, 9am-5pm and Saturday 9am-12pm.

Need help?
Call us to discuss your needs with our award winning customer service.

 

Call us on

0800 121 6162

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Godiva Mortgages Limited is a limited company registered in England and Wales (with company number 5830727) and is authorised and regulated by the Financial Conduct Authority (firm reference number 457622, www.fca.org.uk). Godiva Mortgages Limited. Registered Office: Coventry House, Harry Weston Road, Binley, Coventry, West Midlands CV3 2TQ

 

For all enquiries call 0800 121 6162.

 

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