fair comment Bronte. SVR is a flexible rate which can be changed in accordance with the pricing strategies of the mortgagee! Lone Star are not competing for market share so it would appear that they have the flexibility to set a SVR at whatever level they feel is appropriate for them. I am not trying to be alarmist and there are no indications that Lone Star are going to take any such action. However, there would appear to be no legal impediment to them doing so!