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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  • Barclays Mortgage's logo'

    Barclays Mortgage 2 Year Variable

    • Initial Rate
      1.24% Variable for 2 years
    • APRC
      3.30%
    • Product Fee
      £1,999
    • Monthly Repayment
      £581.75
    • Lender:
      Barclays Mortgage
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £5,000
    • Max Loan:
      £10,000,000
    • Product Description:
      1.24% Variable 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:
      £581.75 x 24
    • Ongoing Monthly Payments:
      £743.93 x 276
    • Total Amount Payable:
      £222,165.68
    • Total Interest Payable:
      £69,286.68
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £80
    • Early Repayment Charge:
      No
  • Barclays Mortgage's logo'

    Barclays Mortgage 2 Year Variable

    • Cashback Available
    • Initial Rate
      1.45% Variable for 2 years
    • APRC
      3.40%
    • Product Fee
      £999
    • Monthly Repayment
      £596.39
    • 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:
      1.45% Variable for 2 years
    • Incentives:
      Free valuation fees
      free legal feesRemortgages or £200 cashbackRemortgages

    • Website:
    • Initial Monthly Repayment:
      £596.39 x 24
    • Ongoing Monthly Payments:
      £745.33 x 276
    • Total Amount Payable:
      £221,903.44
    • Total Interest Payable:
      £70,024.44
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £80
    • Early Repayment Charge:
      No
  • Barclays Mortgage's logo'

    Barclays Mortgage 2 Year Variable

    • Cashback Available
    • Initial Rate
      1.58% Variable for 2 years
    • APRC
      3.30%
    • Product Fee
      £0
    • Monthly Repayment
      £605.56
    • 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:
      1.58% Variable 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:
      £605.56 x 24
    • Ongoing Monthly Payments:
      £746.18 x 276
    • Total Amount Payable:
      £221,359.12
    • Total Interest Payable:
      £70,479.12
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £80
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 1% Sum Repaid
  • Barclays Mortgage's logo'

    Barclays Mortgage 2 Year Variable

    • Cashback Available
    • Initial Rate
      1.75% Variable for 2 years
    • APRC
      3.40%
    • Product Fee
      £999
    • Monthly Repayment
      £617.68
    • 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:
      1.75% Variable for 2 years
    • Incentives:
      Free valuation fees
      free legal feesRemortgages or £200 cashbackRemortgages

    • Website:
    • Initial Monthly Repayment:
      £617.68 x 24
    • Ongoing Monthly Payments:
      £747.28 x 276
    • Total Amount Payable:
      £222,952.60
    • Total Interest Payable:
      £71,073.60
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £80
    • Early Repayment Charge:
      No
  • Nationwide BS's logo'

    Nationwide BS 2 Year Variable

    • Cashback Available
    • Initial Rate
      1.84% Variable (collared at 1.74%) for 2 years
    • APRC
      3.40%
    • Product Fee
      £999
    • Monthly Repayment
      £624.16
    • 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:
      1.84% Variable (collared at 1.74%) for 2 years
    • Incentives:
      Free valuation fees
      free valuation admin fees
      £500 cashback

    • Initial Monthly Repayment:
      £624.16 x 24
    • Ongoing Monthly Payments:
      £747.86 x 276
    • Total Amount Payable:
      £222,688.20
    • Total Interest Payable:
      £71,389.20
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Nationwide BS's logo'

    Nationwide BS 2 Year Variable

    • Cashback Available
    • Initial Rate
      1.84% Variable (collared at 1.74%) for 2 years
    • APRC
      3.40%
    • Product Fee
      £999
    • Monthly Repayment
      £624.16
    • 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:
      1.84% Variable (collared at 1.74%) for 2 years
    • Incentives:
      Free valuation fees
      free valuation admin fees
      £500 cashback

    • Initial Monthly Repayment:
      £624.16 x 24
    • Ongoing Monthly Payments:
      £747.86 x 276
    • Total Amount Payable:
      £222,688.20
    • Total Interest Payable:
      £71,389.20
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Click here to see 1 similar product
  • HSBC's logo'

    HSBC 2 Year Variable

    • Initial Rate
      1.89% Variable for 2 years
    • APRC
      3.40%
    • Product Fee
      £999
    • Monthly Repayment
      £627.78
    • 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:
      1.89% Variable for 2 years
    • Incentives:
      Free valuation fees
      free legal fees Remortgages

    • Initial Monthly Repayment:
      £627.78 x 24
    • Ongoing Monthly Payments:
      £744.46 x 276
    • Total Amount Payable:
      £222,336.68
    • Total Interest Payable:
      £70,537.68
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • 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
  • 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
  • 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
  • Click here to see 1 similar product
  • Nationwide BS's logo'

    Nationwide BS 2 Year Variable

    • Cashback Available
    • 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
  • 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
  • Click here to see 1 similar product
  • 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
  • first direct's logo'

    first direct Variable

    • Offset
    • Initial Rate
      2.34% Variable
    • APRC
      2.40%
    • Product Fee
      £490
    • Monthly Repayment
      £660.90
    • 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:
      2.34% Variable
    • Incentives:
      Free valuation fees
      free legal fees Remortgages

    • Initial Monthly Repayment:
      £660.90 x 300
    • Ongoing Monthly Payments:
      x
    • Total Amount Payable:
      £199,560
    • Total Interest Payable:
      £48,270
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • HSBC's logo'

    HSBC 2 Year Variable

    • Initial Rate
      2.39% Variable for 2 years
    • APRC
      3.50%
    • Product Fee
      £999
    • Monthly Repayment
      £664.65
    • 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:
      2.39% Variable for 2 years
    • Incentives:
      Free valuation fees
      free legal fees Remortgages

    • Initial Monthly Repayment:
      £664.65 x 24
    • Ongoing Monthly Payments:
      £747.55 x 276
    • Total Amount Payable:
      £224,074.40
    • Total Interest Payable:
      £72,275.40
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • 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
  • 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
  • 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
  • first direct's logo'

    first direct Variable

    • Offset
    • Initial Rate
      2.64% Variable
    • APRC
      2.70%
    • Product Fee
      £0
    • Monthly Repayment
      £683.55
    • 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:
      2.64% Variable
    • Incentives:
      Free valuation fees
      free legal fees Remortgages
      No arrangement fees

    • Initial Monthly Repayment:
      £683.55 x 300
    • Ongoing Monthly Payments:
      x
    • Total Amount Payable:
      £205,865
    • Total Interest Payable:
      £55,065
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • first direct's logo'

    first direct Variable

    • Initial Rate
      2.99% Variable
    • APRC
      3.10%
    • Product Fee
      £490
    • Monthly Repayment
      £710.54
    • Lender:
      first direct
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £10,000
    • Max Loan:
      Varies
    • Product Description:
      2.99% Variable
    • Incentives:
      Free valuation fees
      free legal fees Remortgages

    • Initial Monthly Repayment:
      £710.54 x 300
    • Ongoing Monthly Payments:
      x
    • Total Amount Payable:
      £214,452
    • Total Interest Payable:
      £63,162
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • HSBC's logo'

    HSBC 2 Year Variable

    • Initial Rate
      3.09% Variable for 2 years
    • APRC
      3.50%
    • Product Fee
      £999
    • Monthly Repayment
      £718.36
    • 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:
      3.09% Variable for 2 years
    • Incentives:
      Free valuation fees
      free legal fees Remortgages

    • Initial Monthly Repayment:
      £718.36 x 24
    • Ongoing Monthly Payments:
      £751.65 x 276
    • Total Amount Payable:
      £226,495.04
    • Total Interest Payable:
      £74,696.04
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • first direct's logo'

    first direct Variable

    • Initial Rate
      3.14% Variable
    • APRC
      3.20%
    • Product Fee
      £0
    • Monthly Repayment
      £722.29
    • Lender:
      first direct
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £10,000
    • Max Loan:
      Varies
    • Product Description:
      3.14% Variable
    • Incentives:
      Free valuation fees
      free legal fees Remortgages
      No arrangement fees

    • Initial Monthly Repayment:
      £722.29 x 300
    • Ongoing Monthly Payments:
      x
    • Total Amount Payable:
      £217,487
    • Total Interest Payable:
      £66,687
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
Your home may be repossessed if you do not keep up repayments on your mortgage.

The mortgage data above was supplied by Moneyfacts Group Plc and is updated at the time of mortgage search. The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

Our mortgage comparison service is partnered with L&C Mortgages for selections made outside of our featured lenders. Featured lenders are firms with whom we have a direct commercial relationship.

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Tracker Rate Mortgages FAQ

What is a tracker rate mortgage?

What are the benefits of tracker rate mortgages?

Are there any downsides to tracker rate mortgages?

What type of borrowers are tracker rate mortgages most suited to?

What fees will I pay for a tracker rate mortgage?

Are tracker rate mortgages cheaper than fixed rates?

What happens if interest rates rise or fall?

What happens when my tracker deal comes to an end?

What is the difference between a tracker mortgage and a lifetime tracker?

What is the difference between a tracker rate and a Standard Variable Rate?

How can I compare tracker rate mortgages?

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