Our Nationwide 2 year tracker rate mortgage tables show current Nationwide tracker products available through our mortgage comparison. Tracker rates can change when the rate they track changes, and early repayment charges depend on the product. If you have any questions about the Nationwide 2 year tracker mortgage rate schemes below contact us with any queries.
Current Nationwide 2 year tracker mortgage rates based on a property value of £200,000 and a £120,000 repayment mortgage, representing 60% LTV.
Nationwide's lowest current 2 year tracker mortgage rate with a product fee at 60% LTV is 4.09% (Max LTV 60%) with £999 product fee. Nationwide's lowest current 2 year tracker mortgage rate without a product fee at 60% LTV is 4.74% (Max LTV 60%). Rates checked on 5 November 2026.
Showing 6 out of 6 matching Nationwide 2 year tracker mortgage rates, correct as of 05/11/2026.
| Lender | Initial Rate | Rate Type | Max LTV | Fees | APRC | Monthly Payment | More Information |
|---|---|---|---|---|---|---|---|
| Lender Nationwide BS | Initial Rate 4.09% then 6.49% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.2% | Monthly Payment £644.79 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 4.17% then 6.49% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.3% | Monthly Payment £650.17 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 4.2% then 6.49% variable | Rate Type Tracker for 2 years | Max LTV 75% | Fees £999.00 Product Fee | APRC 6.3% | Monthly Payment £652.20 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 4.22% then 6.49% variable | Rate Type Tracker for 2 years | Max LTV 75% | Fees £999.00 Product Fee | APRC 6.3% | Monthly Payment £653.55 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 4.74% then 6.49% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees No fee Product Fee | APRC 6.3% | Monthly Payment £683.54 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 4.84% then 6.49% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees No fee Product Fee | APRC 6.3% | Monthly Payment £690.45 Initial Monthly Payment | More Information More information |
Nationwide BS 2 Year Tracker £999 Fee
Mortgage Summary
For the first 2 years the mortgage rate is 4.09% giving you a monthly payment of £644.79 .
After your tracker rate ends, you will move to the Nationwide BS standard variable rate which is currently 6.49% . This would give you a monthly repayment of £804.72 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £15,474.96 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,014.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £644.79 |
|---|---|
| Ongoing Monthly Payment | £804.72 |
| True Cost Over Initial Period | £15,474.96 |
| Total Amount Repayable | £237,577.68 |
Nationwide BS FTB 2 Year Tracker £999 Fee Cashback
Mortgage Summary
For the first 2 years the mortgage rate is 4.17% giving you a monthly payment of £650.17 .
After your tracker rate ends, you will move to the Nationwide BS standard variable rate which is currently 6.49% . This would give you a monthly repayment of £805.15 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £15,104.08 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,014.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £650.17 |
|---|---|
| Ongoing Monthly Payment | £805.15 |
| True Cost Over Initial Period | £15,104.08 |
| Total Amount Repayable | £237,325.48 |
Nationwide BS 2 Year Tracker £999 Fee
Mortgage Summary
For the first 2 years the mortgage rate is 4.2% giving you a monthly payment of £652.20 .
After your tracker rate ends, you will move to the Nationwide BS standard variable rate which is currently 6.49% . This would give you a monthly repayment of £805.32 .
The maximum Loan to Value (LTV) is 75% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £15,652.80 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,014.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £652.20 |
|---|---|
| Ongoing Monthly Payment | £805.32 |
| True Cost Over Initial Period | £15,652.80 |
| Total Amount Repayable | £237,921.12 |
Nationwide BS FTB 2 Year Tracker £999 Fee Cashback
Mortgage Summary
For the first 2 years the mortgage rate is 4.22% giving you a monthly payment of £653.55 .
After your tracker rate ends, you will move to the Nationwide BS standard variable rate which is currently 6.49% . This would give you a monthly repayment of £805.42 .
The maximum Loan to Value (LTV) is 75% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £15,185.20 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,014.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £653.55 |
|---|---|
| Ongoing Monthly Payment | £805.42 |
| True Cost Over Initial Period | £15,185.20 |
| Total Amount Repayable | £237,481.12 |
Nationwide BS 2 Year Tracker No Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 4.74% giving you a monthly payment of £683.54 .
After your tracker rate ends, you will move to the Nationwide BS standard variable rate which is currently 6.49% . This would give you a monthly repayment of £801.49 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £16,404.96 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £0.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £15.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £683.54 |
|---|---|
| Ongoing Monthly Payment | £801.49 |
| True Cost Over Initial Period | £16,404.96 |
| Total Amount Repayable | £237,616.20 |
Nationwide BS FTB 2 Year Tracker No Fee Cashback
Mortgage Summary
For the first 2 years the mortgage rate is 4.84% giving you a monthly payment of £690.45 .
After your tracker rate ends, you will move to the Nationwide BS standard variable rate which is currently 6.49% . This would give you a monthly repayment of £802.00 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £16,070.80 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £0.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £15.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £690.45 |
|---|---|
| Ongoing Monthly Payment | £802.00 |
| True Cost Over Initial Period | £16,070.80 |
| Total Amount Repayable | £237,422.80 |
Your home may be repossessed if you do not keep up repayments on your mortgage
The APRC quoted is representative and for example purposes, it is based on a £200,000 property with a £120,000 loan over 25 years equating to 300 monthly payments. Best buys are based on the Go Direct representative whole of market panel of lenders.
Before choosing a Nationwide 2 year tracker rate mortgage, it is important to check whether the mortgage is suitable for your circumstances. Nationwide considers factors such as your income, deposit, credit history and the property you are buying. Our Nationwide mortgage criteria guide explains the key lending requirements and what to consider before applying. The availability of a particular rate will depend on your circumstances and the lender's assessment.
If a 2 year tracker rate is not the right fit, compare Nationwide 3 year fixed mortgage rates or Nationwide 5 year fixed mortgage rates for a longer period of payment certainty. Alternatively, explore Nationwide 2 year fixed mortgage rates, or see the full range of current Nationwide mortgage rates. If you are looking to switching your existing mortgage, you can also compare Nationwide remortgage rates.
Once you compared the Nationwide 2 year tracker rate mortgage & remortgage schemes if would like tracker rate mortgage advice, complete our enquiry form and we will contact you to discuses your Nationwide mortgage requirements. We normally do not charge a fee for mortgage advice, however this is dependent on your circumstances such as complex cases or debt consolidation. Our typical fee would be £399.
The above information does not contain all the details you need to choose a mortgage. Please consult one of our qualified mortgage brokers before undertaking any borrowing/these calculations are for illustration purposes only and may not reflect the true cost of repayment you may make.
