Now there are no penalties to come out of a standard variable rate.

现在， 标准可变利率不会产生任何处罚。

If it's a standard variable rate, there's often no limit at all.

如果是标准可变利率， 通常根本没有限制。

If you don't take any action at all, your mortgage will most likely revert to the lender's standard variable rate.

如果您根本不采取任何行动，您的抵押贷款很可能会恢复为贷方的标准可变利率。

And then if the SVR rate — standard variable rate — is not too bad, I may well just lapse on to that and then use this cash to pay down more of my mortgage.

然后，如果 SVR 利率——标准可变利率——不是太糟糕，我可能会继续使用它， 然后用这笔现金支付更多的抵押贷款。