Skipton Building Society will not be reducing its standard variable mortgage rate, it has been announced.
The mutual has decided to keep the rate at 6.45 per cent despite a recent cut in the Bank of England base rate .
According to Steve Aldous, general manager for sales and marketing at the mortgage lender, the building society's standard rate is lower than that of many rivals.
"For most borrowers on other lenders' Standard Variable Rates, their monthly payments will still be higher than those of Skipton borrowers, even after any rate cut is passed on," he said.
Those on tracker rate mortgages will have already seen their payments fall because of the cut, Mr Aldous added.
Recently, Darren Cook, mortgage expert at Moneyfacts.co.uk, stated that around three-quarters of lenders have not reduced their interest rates after the fall in the base rate.
According to Mr Cook this is because they are worried about increased risks in the mortgage market.
Skipton BS not to cut standard mortgage rate
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