Compare Tracker Mortgages
- Rising and falling in line with the Bank of England base rate, tracker mortgages have been a popular option for UK home buyers while the base rate has remained low.
- Compare the latest interest rates and other important features of tracker mortgages in the table below.
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-
![Nationwide BS's logo']()
Nationwide BS 2 Year Variable
-
Initial Rate
1.64% Variable (collared at 1.54%) for 2 years
-
APRC
3.40%
-
Product Fee
£999
-
Monthly Repayment
£609.82
-
Lender:
Nationwide BS
-
Max First Time Buyer LTV:
60%
-
Max House Purchase LTV:
0%
-
Max Remortgage LTV:
0%
-
Min Loan:
£25,000
-
Max Loan:
£1,000,000
-
Product Description:
1.64% Variable (collared at 1.54%) for 2 years
-
Incentives:
Free valuation fees
free valuation admin fees
£500 cashback
-
Initial Monthly Repayment:
£609.82 x 24
-
Ongoing Monthly Payments:
£746.57 x 276
-
Total Amount Payable:
£221,988
-
Total Interest Payable:
£70,689
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
-
![Nationwide BS's logo']()
Nationwide BS 2 Year Variable
-
Initial Rate
1.64% Variable (collared at 1.54%) for 2 years
-
APRC
3.40%
-
Product Fee
£999
-
Monthly Repayment
£609.82
-
Lender:
Nationwide BS
-
Max First Time Buyer LTV:
60%
-
Max House Purchase LTV:
0%
-
Max Remortgage LTV:
0%
-
Min Loan:
£25,000
-
Max Loan:
£1,000,000
-
Product Description:
1.64% Variable (collared at 1.54%) for 2 years
-
Incentives:
Free valuation fees
free valuation admin fees
£500 cashback
-
Initial Monthly Repayment:
£609.82 x 24
-
Ongoing Monthly Payments:
£746.57 x 276
-
Total Amount Payable:
£221,988
-
Total Interest Payable:
£70,689
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
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-
Initial Rate
-
![Barclays Mortgage's logo']()
Barclays Mortgage 2 Year Variable
-
Initial Rate
1.69% Variable (collared at 1.59%) for 2 years
-
APRC
3.40%
-
Product Fee
£999
-
Monthly Repayment
£613.39
-
Lender:
Barclays Mortgage
-
Max First Time Buyer LTV:
60%
-
Max House Purchase LTV:
60%
-
Max Remortgage LTV:
60%
-
Min Loan:
£5,000
-
Max Loan:
£2,000,000
-
Product Description:
1.69% Variable (collared at 1.59%) for 2 years
-
Incentives:
Free valuation fees
free legal feesRemortgages or £200 cashbackRemortgages
- Website:
-
Initial Monthly Repayment:
£613.39 x 24
-
Ongoing Monthly Payments:
£746.89 x 276
-
Total Amount Payable:
£222,742
-
Total Interest Payable:
£70,863
-
Valuation Fee:
Free
-
Exit Admin Fee:
£80
-
Early Repayment Charge:
No
-
Initial Rate
-
![HSBC's logo']()
HSBC 2 Year Variable
-
Initial Rate
1.69% Variable for 2 years
-
APRC
3.30%
-
Product Fee
£999
-
Monthly Repayment
£613.39
-
Lender:
HSBC
-
Max First Time Buyer LTV:
60%
-
Max House Purchase LTV:
60%
-
Max Remortgage LTV:
60%
-
Min Loan:
£10,000
-
Max Loan:
£5,000,000
-
Product Description:
1.69% Variable for 2 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£613.39 x 24
-
Ongoing Monthly Payments:
£743.18 x 276
-
Total Amount Payable:
£221,638.04
-
Total Interest Payable:
£69,839.04
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
-
![Barclays Mortgage's logo']()
Barclays Mortgage 2 Year Variable
-
Initial Rate
1.72% Variable (collared at 1.62%) for 2 years
-
APRC
3.40%
-
Product Fee
£999
-
Monthly Repayment
£615.53
-
Lender:
Barclays Mortgage
-
Max First Time Buyer LTV:
75%
-
Max House Purchase LTV:
75%
-
Max Remortgage LTV:
75%
-
Min Loan:
£5,000
-
Max Loan:
£2,000,000
-
Product Description:
1.72% Variable (collared at 1.62%) for 2 years
-
Incentives:
Free valuation fees
free legal feesRemortgages or £200 cashbackRemortgages
- Website:
-
Initial Monthly Repayment:
£615.53 x 24
-
Ongoing Monthly Payments:
£747.09 x 276
-
Total Amount Payable:
£222,768.56
-
Total Interest Payable:
£70,969.56
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
-
![Barclays Mortgage's logo']()
Barclays Mortgage 2 Year Variable
-
Initial Rate
1.85% Variable (collared at 1.75%) for 2 years
-
APRC
3.40%
-
Product Fee
£0
-
Monthly Repayment
£624.88
-
Lender:
Barclays Mortgage
-
Max First Time Buyer LTV:
60%
-
Max House Purchase LTV:
60%
-
Max Remortgage LTV:
60%
-
Min Loan:
£5,000
-
Max Loan:
£2,000,000
-
Product Description:
1.85% Variable (collared at 1.75%) for 2 years
-
Incentives:
Free valuation fees for properties valued Max £2M House Purchase,First Time Buyers
free valuation fees Remortgages
No arrangement fees
£200 cashbackRemortgages or free legal feesRemortgages
- Website:
-
Initial Monthly Repayment:
£624.88 x 24
-
Ongoing Monthly Payments:
£747.92 x 276
-
Total Amount Payable:
£222,303.04
-
Total Interest Payable:
£71,423.04
-
Valuation Fee:
Free
-
Exit Admin Fee:
£80
-
Early Repayment Charge:
Yes
-
Early Repayment Charge Details:
1st 2 yrs: 1% Sum Repaid
-
Initial Rate
-
![Barclays Mortgage's logo']()
Barclays Mortgage 2 Year Variable
-
Initial Rate
1.85% Variable (collared at 1.75%) for 2 years
-
APRC
3.40%
-
Product Fee
£1,999
-
Monthly Repayment
£624.88
-
Lender:
Barclays Mortgage
-
Max First Time Buyer LTV:
75%
-
Max House Purchase LTV:
75%
-
Max Remortgage LTV:
75%
-
Min Loan:
£5,000
-
Max Loan:
£2,000,000
-
Product Description:
1.85% Variable (collared at 1.75%) for 2 years
-
Incentives:
Free valuation fees for properties valued Max £2M House Purchase,First Time Buyers
free valuation fees Remortgages
- Website:
-
Initial Monthly Repayment:
£624.88 x 24
-
Ongoing Monthly Payments:
£747.92 x 276
-
Total Amount Payable:
£224,302.04
-
Total Interest Payable:
£71,423.04
-
Valuation Fee:
Free
-
Exit Admin Fee:
£80
-
Early Repayment Charge:
No
-
Initial Rate
-
![first direct's logo']()
first direct Variable
-
Initial Rate
2.09% Variable
-
APRC
2.20%
-
Product Fee
£490
-
Monthly Repayment
£642.37
-
Lender:
first direct
-
Max First Time Buyer LTV:
75%
-
Max House Purchase LTV:
75%
-
Max Remortgage LTV:
75%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
2.09% Variable
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£642.37 x 300
-
Ongoing Monthly Payments:
x
-
Total Amount Payable:
£194,001
-
Total Interest Payable:
£42,711
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
-
![HSBC's logo']()
HSBC 2 Year Variable
-
Initial Rate
2.09% Variable for 2 years
-
APRC
3.40%
-
Product Fee
£999
-
Monthly Repayment
£642.37
-
Lender:
HSBC
-
Max First Time Buyer LTV:
75%
-
Max House Purchase LTV:
75%
-
Max Remortgage LTV:
75%
-
Min Loan:
£10,000
-
Max Loan:
£2,000,000
-
Product Description:
2.09% Variable for 2 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£642.37 x 24
-
Ongoing Monthly Payments:
£745.71 x 276
-
Total Amount Payable:
£223,031.84
-
Total Interest Payable:
£71,232.84
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
-
![HSBC's logo']()
HSBC 2 Year Variable
-
Initial Rate
2.09% Variable for 2 years
-
APRC
3.40%
-
Product Fee
£999
-
Monthly Repayment
£642.37
-
Lender:
HSBC
-
Max First Time Buyer LTV:
70%
-
Max House Purchase LTV:
70%
-
Max Remortgage LTV:
70%
-
Min Loan:
£10,000
-
Max Loan:
£3,000,000
-
Product Description:
2.09% Variable for 2 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£642.37 x 24
-
Ongoing Monthly Payments:
£745.71 x 276
-
Total Amount Payable:
£223,031.84
-
Total Interest Payable:
£71,232.84
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
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-
Initial Rate
-
![Nationwide BS's logo']()
Nationwide BS 2 Year Variable
-
Initial Rate
2.09% Variable (collared at 1.99%) for 2 years
-
APRC
3.40%
-
Product Fee
£0
-
Monthly Repayment
£642.37
-
Lender:
Nationwide BS
-
Max First Time Buyer LTV:
60%
-
Max House Purchase LTV:
0%
-
Max Remortgage LTV:
0%
-
Min Loan:
£25,000
-
Max Loan:
£2,000,000
-
Product Description:
2.09% Variable (collared at 1.99%) for 2 years
-
Incentives:
Free valuation fees
free valuation admin fees
No arrangement fees
£500 cashback
-
Initial Monthly Repayment:
£642.37 x 24
-
Ongoing Monthly Payments:
£749.43 x 276
-
Total Amount Payable:
£222,559.56
-
Total Interest Payable:
£72,259.56
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
-
![Nationwide BS's logo']()
Nationwide BS 2 Year Variable
-
Initial Rate
2.09% Variable (collared at 1.99%) for 2 years
-
APRC
3.40%
-
Product Fee
£0
-
Monthly Repayment
£642.37
-
Lender:
Nationwide BS
-
Max First Time Buyer LTV:
60%
-
Max House Purchase LTV:
0%
-
Max Remortgage LTV:
0%
-
Min Loan:
£25,000
-
Max Loan:
£2,000,000
-
Product Description:
2.09% Variable (collared at 1.99%) for 2 years
-
Incentives:
Free valuation fees
free valuation admin fees
No arrangement fees
-
Initial Monthly Repayment:
£642.37 x 24
-
Ongoing Monthly Payments:
£749.43 x 276
-
Total Amount Payable:
£223,059.56
-
Total Interest Payable:
£72,259.56
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
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-
Initial Rate
-
![Santander's logo']()
Santander 2 Year Variable
-
Initial Rate
2.09% Variable for 2 years
-
APRC
3.10%
-
Product Fee
£999
-
Monthly Repayment
£642.37
-
Lender:
Santander
-
Max First Time Buyer LTV:
75%
-
Max House Purchase LTV:
75%
-
Max Remortgage LTV:
0%
-
Min Loan:
£6,000
-
Max Loan:
£1,500,000
-
Product Description:
2.09% Variable for 2 years
-
Incentives:
Free valuation admin fees
free valuation fees (Max £1190) for properties valued Max £2
5M
-
Initial Monthly Repayment:
£642.37 x 24
-
Ongoing Monthly Payments:
£731.66 x 276
-
Total Amount Payable:
£219,379.04
-
Total Interest Payable:
£67,355.04
-
Valuation Fee:
Free
-
Exit Admin Fee:
£225
-
Early Repayment Charge:
No
-
Initial Rate
-
![Barclays Mortgage's logo']()
Barclays Mortgage 2 Year Variable
-
Initial Rate
2.12% Variable (collared at 2.02%) for 2 years
-
APRC
3.40%
-
Product Fee
£0
-
Monthly Repayment
£644.58
-
Lender:
Barclays Mortgage
-
Max First Time Buyer LTV:
75%
-
Max House Purchase LTV:
75%
-
Max Remortgage LTV:
75%
-
Min Loan:
£5,000
-
Max Loan:
£2,000,000
-
Product Description:
2.12% Variable (collared at 2.02%) for 2 years
-
Incentives:
Free valuation fees for properties valued Max £2M House Purchase,First Time Buyers
free valuation fees Remortgages
No arrangement fees
£200 cashbackRemortgages or free legal feesRemortgages
- Website:
-
Initial Monthly Repayment:
£644.58 x 24
-
Ongoing Monthly Payments:
£749.62 x 276
-
Total Amount Payable:
£223,245.04
-
Total Interest Payable:
£72,365.04
-
Valuation Fee:
Free
-
Exit Admin Fee:
£80
-
Early Repayment Charge:
Yes
-
Early Repayment Charge Details:
1st 2 yrs: 1% Sum Repaid
-
Initial Rate
-
![first direct's logo']()
first direct Variable
-
Initial Rate
2.24% Variable
-
APRC
2.30%
-
Product Fee
£0
-
Monthly Repayment
£653.45
-
Lender:
first direct
-
Max First Time Buyer LTV:
75%
-
Max House Purchase LTV:
75%
-
Max Remortgage LTV:
75%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
2.24% Variable
-
Incentives:
Free valuation fees
free legal fees Remortgages
No arrangement fees
-
Initial Monthly Repayment:
£653.45 x 300
-
Ongoing Monthly Payments:
x
-
Total Amount Payable:
£196,835
-
Total Interest Payable:
£46,035
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
-
![Barclays Mortgage's logo']()
Barclays Mortgage 2 Year Variable
-
Initial Rate
2.29% Variable (collared at 2.19%) for 2 years
-
APRC
3.50%
-
Product Fee
£999
-
Monthly Repayment
£657.17
-
Lender:
Barclays Mortgage
-
Max First Time Buyer LTV:
80%
-
Max House Purchase LTV:
80%
-
Max Remortgage LTV:
80%
-
Min Loan:
£5,000
-
Max Loan:
£2,000,000
-
Product Description:
2.29% Variable (collared at 2.19%) for 2 years
-
Incentives:
Free valuation fees
free legal feesRemortgages or £200 cashbackRemortgages
- Website:
-
Initial Monthly Repayment:
£657.17 x 24
-
Ongoing Monthly Payments:
£750.67 x 276
-
Total Amount Payable:
£224,836
-
Total Interest Payable:
£72,957
-
Valuation Fee:
Free
-
Exit Admin Fee:
£80
-
Early Repayment Charge:
No
-
Initial Rate
-
![first direct's logo']()
first direct Variable
-
Initial Rate
2.44% Variable
-
APRC
2.50%
-
Product Fee
£490
-
Monthly Repayment
£668.40
-
Lender:
first direct
-
Max First Time Buyer LTV:
80%
-
Max House Purchase LTV:
80%
-
Max Remortgage LTV:
80%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
2.44% Variable
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£668.40 x 300
-
Ongoing Monthly Payments:
x
-
Total Amount Payable:
£201,810
-
Total Interest Payable:
£50,520
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
-
![Bank of China (UK)'s logo']()
Bank of China (UK) Variable
-
Initial Rate
2.49% Variable
-
APRC
2.60%
-
Product Fee
£1,295
-
Monthly Repayment
£672.17
-
Lender:
Bank of China (UK)
-
Max First Time Buyer LTV:
60%
-
Max House Purchase LTV:
60%
-
Max Remortgage LTV:
60%
-
Min Loan:
£50,000
-
Max Loan:
£500,000
-
Product Description:
2.49% Variable
-
Incentives:
-
Initial Monthly Repayment:
£672.17 x 300
-
Ongoing Monthly Payments:
x
-
Total Amount Payable:
£204,116
-
Total Interest Payable:
£51,651
-
Valuation Fee:
£275
-
Exit Admin Fee:
£95
-
Early Repayment Charge:
Yes
-
Early Repayment Charge Details:
1st yr: 1% Mortgage Advance
-
Initial Rate
-
![first direct's logo']()
first direct Variable
-
Initial Rate
2.59% Variable
-
APRC
2.60%
-
Product Fee
£0
-
Monthly Repayment
£679.74
-
Lender:
first direct
-
Max First Time Buyer LTV:
80%
-
Max House Purchase LTV:
80%
-
Max Remortgage LTV:
80%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
2.59% Variable
-
Incentives:
Free valuation fees
free legal fees Remortgages
No arrangement fees
-
Initial Monthly Repayment:
£679.74 x 300
-
Ongoing Monthly Payments:
x
-
Total Amount Payable:
£204,722
-
Total Interest Payable:
£53,922
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
-
![HSBC's logo']()
HSBC 2 Year Variable
-
Initial Rate
2.59% Variable for 2 years
-
APRC
3.50%
-
Product Fee
£999
-
Monthly Repayment
£679.74
-
Lender:
HSBC
-
Max First Time Buyer LTV:
80%
-
Max House Purchase LTV:
80%
-
Max Remortgage LTV:
80%
-
Min Loan:
£10,000
-
Max Loan:
£1,000,000
-
Product Description:
2.59% Variable for 2 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£679.74 x 24
-
Ongoing Monthly Payments:
£748.75 x 276
-
Total Amount Payable:
£224,767.76
-
Total Interest Payable:
£72,968.76
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
-
![HSBC's logo']()
HSBC 2 Year Variable
-
Initial Rate
2.99% Variable for 2 years
-
APRC
3.50%
-
Product Fee
£999
-
Monthly Repayment
£710.54
-
Lender:
HSBC
-
Max First Time Buyer LTV:
85%
-
Max House Purchase LTV:
85%
-
Max Remortgage LTV:
85%
-
Min Loan:
£10,000
-
Max Loan:
£500,000
-
Product Description:
2.99% Variable for 2 years
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£710.54 x 24
-
Ongoing Monthly Payments:
£751.08 x 276
-
Total Amount Payable:
£226,150.04
-
Total Interest Payable:
£74,351.04
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
-
![first direct's logo']()
first direct Variable
-
Initial Rate
3.29% Variable
-
APRC
3.40%
-
Product Fee
£490
-
Monthly Repayment
£734.15
-
Lender:
first direct
-
Max First Time Buyer LTV:
75%
-
Max House Purchase LTV:
75%
-
Max Remortgage LTV:
75%
-
Min Loan:
£30,000
-
Max Loan:
£1,000,000
-
Product Description:
3.29% Variable
-
Incentives:
Free valuation fees
free legal fees Remortgages
-
Initial Monthly Repayment:
£734.15 x 300
-
Ongoing Monthly Payments:
x
-
Total Amount Payable:
£221,535
-
Total Interest Payable:
£70,245
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
-
![first direct's logo']()
first direct Variable
-
Initial Rate
3.49% Variable
-
APRC
3.50%
-
Product Fee
£0
-
Monthly Repayment
£750.13
-
Lender:
first direct
-
Max First Time Buyer LTV:
75%
-
Max House Purchase LTV:
75%
-
Max Remortgage LTV:
75%
-
Min Loan:
£30,000
-
Max Loan:
£1,000,000
-
Product Description:
3.49% Variable
-
Incentives:
Free valuation fees
free legal fees Remortgages
No arrangement fees
-
Initial Monthly Repayment:
£750.13 x 300
-
Ongoing Monthly Payments:
x
-
Total Amount Payable:
£225,839
-
Total Interest Payable:
£75,039
-
Valuation Fee:
Free
-
Exit Admin Fee:
£0
-
Early Repayment Charge:
No
-
Initial Rate
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Tracker Rate Mortgages FAQ
What is a tracker rate mortgage?
A tracker rate mortgage is a mortgage with an interest rate which moves in line with Bank of England base rate. The interest rate is set at a percentage above or below Bank base rate and increases or decreases accordingly for the duration of your deal.
What are the benefits of tracker rate mortgages?
The biggest benefit of a track rate mortgage is if interest rates fall your mortgage rate will fall too, making monthly repayments cheaper. Furthermore, some lenders will allow you to make overpayments on a tracker mortgage without any charges. This means if your monthly repayments fall you could use the money you're saving to overpay on your mortgage, thus clearing it faster.
Are there any downsides to tracker rate mortgages?
If interest rates rise your mortgage rate will rise too, meaning a mortgage that was affordable can suddenly become expensive. It's important to factor in potential rate rises when working out whether you can afford a mortgage.
What type of borrowers are tracker rate mortgages most suited to?
Borrowers who are happy to take a risk on interest rates and who would be able to pay more each month if rates rise are well suited to trackers. If you like stability and knowing how much you're going to pay each month, then a tracker isn't for you.
What fees will I pay for a tracker rate mortgage?
As with all mortgages, fees differ from product to product, but you could pay a booking fee, an arrangement fee, valuation fees and legal fees. You'll also pay a small fee for your lender to transfer the funds to your solicitor. This is known as a CHAPS fee and is usually less than £50.
Are tracker rate mortgages cheaper than fixed rates?
In a low interest rate environment tracker rates tend to be cheaper than fixed rates, although the difference will be small as there are many competitively priced fixed rate mortgages on the market today.
What happens if interest rates rise or fall?
If interest rates rise your mortgage rate will rise too. If they fall, your rate will follow suit meaning your monthly repayments will come down.
What happens when my tracker deal comes to an end?
At the end of your tracker deal you'll move on to your lender's Standard Variable Rate (SVR). You can choose whether to stay on this rate, move to another product with the same lender or remortgage to another provider.
What is the difference between a tracker mortgage and a lifetime tracker?
A tracker mortgage is set at a percentage above (or below - although this is much less likely) the Bank of England base rate for a set period of time. A lifetime tracker is set at a percentage above or below Bank base rate for the duration of your mortgage term - usually 25 years.
What is the difference between a tracker rate and a Standard Variable Rate?
A Standard Variable Rate (SVR) is the lender's default rate. While it can move in line with Bank of England base rate, the lender can also increase it or decrease it whenever it chooses.
How can I compare tracker rate mortgages?
Tracker rate mortgages are amongst the most competitively priced mortgages on offer at the moment. You can search all of the products on the market using NerdWallet's comprehensive comparison tables.
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