Have you got a telephone directory? <a href="http://it-data-storage.co.uk/health-masoncom-dbbe.pdf">ftp2.medstat.com</a>  At the moment the loans track the Bank of England's Bank Rate, currently 0.5pc, plus a margin. This margin varies and is set at the time the mortgage is taken out. That margin usually does not change during the term of the loan.