Our Best 2 Year tracker mortgage rate tables are updated daily to give you the best 2 year tracker mortgage deals on the market. The tracker rate mortgages below are the lowest tracker mortgage rates available with early repayment charges. If you have any questions about the 2 year tracker mortgage rate schemes below contact us with any queries.
Lowest current 2 year tracker mortgage rate at 50% LTV: 3.99% with a 1% product fee. Rates checked 5 October 2026.
Showing 10 out of 34 matching 2 year residential tracker mortgage rates, correct as of 05/10/2026.
| Lender | Initial Rate | Rate Type | Max LTV | Fees | APRC | Monthly Payment | More Information |
|---|---|---|---|---|---|---|---|
| Barclays Bank | 3.99% then 5.74% variable | Tracker for 2 years | 60% | £999.00 Product Fee | 5.7% | £526.79 Initial Monthly Payment | More Information |
| Halifax | 4.06% then 7.24% variable | Tracker for 2 years | 60% | £1,499.00 Product Fee | 6.9% | £530.65 Initial Monthly Payment | More Information |
| Halifax | 4.06% then 7.24% variable | Tracker for 2 years | 60% | £1,499.00 Product Fee | 6.9% | £530.65 Initial Monthly Payment | More Information |
| Nationwide BS | 4.09% then 6.49% variable | Tracker for 2 years | 60% | £999.00 Product Fee | 6.2% | £532.82 Initial Monthly Payment | More Information |
| NatWest | 4.1% then 6.74% variable | Tracker for 2 years | 60% | £995.00 Product Fee | 6.4% | £533.37 Initial Monthly Payment | More Information |
| HSBC | 4.15% then 6.24% variable | Tracker for 2 years | 60% | £999.00 Product Fee | 6.1% | £535.64 Initial Monthly Payment | More Information |
| Barclays Bank | 4.15% then 5.74% variable | Tracker for 2 years | 60% | £999.00 Product Fee | 5.7% | £535.64 Initial Monthly Payment | More Information |
| Nationwide BS | 4.17% then 6.49% variable | Tracker for 2 years | 60% | £999.00 Product Fee | 6.3% | £537.27 Initial Monthly Payment | More Information |
| Virgin Money | 4.24% then 6.74% variable | Tracker for 2 years | 60% | £999.00 Product Fee | 6.3% | £540.66 Initial Monthly Payment | More Information |
| Skipton BS | 4.25% then 6.29% variable | Tracker for 2 years | 60% | £995.00 Product Fee | 6.2% | £541.22 Initial Monthly Payment | More Information |
For the first 2 years the mortgage rate is 3.99% giving you a monthly payment of £526.79 .
After your tracker rate ends, you will move to the Barclays Bank standard variable rate which is currently 5.74% . This would give you a monthly payment of £621.04 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 50% based on the figures entered for this mortgage comparison.
The true cost of this mortgage over the initial period is £13,746.96 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,104.00 |
| Early Repayment Charge | No |
Initial Monthly Payment
£526.79
Ongoing Monthly Payment
£621.04
True Cost Over Initial Period
£13,746.96
Total Amount Repayable
£185,154.00
Lender: Barclays Bank
Mortgage type: Residential Mortgage
Payment type: Repayment
Rate type: Tracker
Initial rate: 3.99%
Initial rate period: 2 years
Initial monthly payment: £526.79
Monthly payment after initial period: £621.04
Standard Variable Rate: 5.74%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £25.00
Valuation fee: Free valuation
Total fees: £1,104.00
APR: 5.7%
Early repayment charge: No
True cost over initial period: £13,746.96
True cost over full mortgage term: £185,154.00
For the first 2 years the mortgage rate is 4.06% giving you a monthly payment of £530.65 .
After your tracker rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly payment of £707.30 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 50% based on the figures entered for this mortgage comparison.
The true cost of this mortgage over the initial period is £15,395.90 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £1,499.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £1,499.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,599.00 |
| Early Repayment Charge | No |
Initial Monthly Payment
£530.65
Ongoing Monthly Payment
£707.30
True Cost Over Initial Period
£15,395.90
Total Amount Repayable
£209,196.10
Lender: Halifax
Mortgage type: Residential Mortgage
Payment type: Repayment
Rate type: Tracker
Initial rate: 4.06%
Initial rate period: 2 years
Initial monthly payment: £530.65
Monthly payment after initial period: £707.30
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £1,499.00.
Arrangement fee: £1,499.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £1,599.00
APR: 6.9%
Early repayment charge: No
True cost over initial period: £15,395.90
True cost over full mortgage term: £209,196.10
For the first 2 years the mortgage rate is 4.06% giving you a monthly payment of £530.65 .
After your tracker rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly payment of £707.30 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 50% based on the figures entered for this mortgage comparison.
The true cost of this mortgage over the initial period is £15,395.90 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £1,499.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £1,499.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,599.00 |
| Early Repayment Charge | No |
Initial Monthly Payment
£530.65
Ongoing Monthly Payment
£707.30
True Cost Over Initial Period
£15,395.90
Total Amount Repayable
£209,196.10
Lender: Halifax
Mortgage type: Residential Mortgage
Payment type: Repayment
Rate type: Tracker
Initial rate: 4.06%
Initial rate period: 2 years
Initial monthly payment: £530.65
Monthly payment after initial period: £707.30
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £1,499.00.
Arrangement fee: £1,499.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £1,599.00
APR: 6.9%
Early repayment charge: No
True cost over initial period: £15,395.90
True cost over full mortgage term: £209,196.10
For the first 2 years the mortgage rate is 4.09% giving you a monthly payment of £532.82 .
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 payment of £664.98 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 50% based on the figures entered for this mortgage comparison.
The true cost of this mortgage over the initial period is £13,801.68 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,014.00 |
| Early Repayment Charge | No |
Initial Monthly Payment
£532.82
Ongoing Monthly Payment
£664.98
True Cost Over Initial Period
£13,801.68
Total Amount Repayable
£197,336.16
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Payment type: Repayment
Rate type: Tracker
Initial rate: 4.09%
Initial rate period: 2 years
Initial monthly payment: £532.82
Monthly payment after initial period: £664.98
Standard Variable Rate: 6.49%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £15.00
Valuation fee: Free valuation
Total fees: £1,014.00
APR: 6.2%
Early repayment charge: No
True cost over initial period: £13,801.68
True cost over full mortgage term: £197,336.16
For the first 2 years the mortgage rate is 4.1% giving you a monthly payment of £533.37 .
After your tracker rate ends, you will move to the NatWest standard variable rate which is currently 6.74% . This would give you a monthly payment of £678.27 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 50% based on the figures entered for this mortgage comparison.
The true cost of this mortgage over the initial period is £15,425.99 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £995.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £995.00 |
| Telegraphic Transfer Fee | £30.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,025.00 |
| Early Repayment Charge | 31-Jan-2029 |
Initial Monthly Payment
£533.37
Ongoing Monthly Payment
£678.27
True Cost Over Initial Period
£15,425.99
Total Amount Repayable
£200,593.70
Lender: NatWest
Mortgage type: Residential Mortgage
Payment type: Repayment
Rate type: Tracker
Initial rate: 4.1%
Initial rate period: 2 years
Initial monthly payment: £533.37
Monthly payment after initial period: £678.27
Standard Variable Rate: 6.74%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £995.00.
Arrangement fee: £995.00
Booking fee: £0.00
Telegraphic transfer fee: £30.00
Valuation fee: Free valuation
Total fees: £1,025.00
APR: 6.4%
Early repayment charge: 31-Jan-2029
True cost over initial period: £15,425.99
True cost over full mortgage term: £200,593.70
For the first 2 years the mortgage rate is 4.15% giving you a monthly payment of £535.64 .
After your tracker rate ends, you will move to the HSBC standard variable rate which is currently 6.24% . This would give you a monthly payment of £650.14 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 50% based on the figures entered for this mortgage comparison.
The true cost of this mortgage over the initial period is £13,871.36 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £17.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,016.00 |
| Early Repayment Charge | No |
Initial Monthly Payment
£535.64
Ongoing Monthly Payment
£650.14
True Cost Over Initial Period
£13,871.36
Total Amount Repayable
£193,310.00
Lender: HSBC
Mortgage type: Residential Mortgage
Payment type: Repayment
Rate type: Tracker
Initial rate: 4.15%
Initial rate period: 2 years
Initial monthly payment: £535.64
Monthly payment after initial period: £650.14
Standard Variable Rate: 6.24%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £17.00
Valuation fee: Free valuation
Total fees: £1,016.00
APR: 6.1%
Early repayment charge: No
True cost over initial period: £13,871.36
True cost over full mortgage term: £193,310.00
For the first 2 years the mortgage rate is 4.15% giving you a monthly payment of £535.64 .
After your tracker rate ends, you will move to the Barclays Bank standard variable rate which is currently 5.74% . This would give you a monthly payment of £621.72 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 50% based on the figures entered for this mortgage comparison.
The true cost of this mortgage over the initial period is £13,959.36 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,104.00 |
| Early Repayment Charge | No |
Initial Monthly Payment
£535.64
Ongoing Monthly Payment
£621.72
True Cost Over Initial Period
£13,959.36
Total Amount Repayable
£185,554.08
Lender: Barclays Bank
Mortgage type: Residential Mortgage
Payment type: Repayment
Rate type: Tracker
Initial rate: 4.15%
Initial rate period: 2 years
Initial monthly payment: £535.64
Monthly payment after initial period: £621.72
Standard Variable Rate: 5.74%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £25.00
Valuation fee: Free valuation
Total fees: £1,104.00
APR: 5.7%
Early repayment charge: No
True cost over initial period: £13,959.36
True cost over full mortgage term: £185,554.08
For the first 2 years the mortgage rate is 4.17% giving you a monthly payment of £537.27 .
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 payment of £665.34 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 50% based on the figures entered for this mortgage comparison.
The true cost of this mortgage over the initial period is £13,408.48 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,014.00 |
| Early Repayment Charge | No |
Initial Monthly Payment
£537.27
Ongoing Monthly Payment
£665.34
True Cost Over Initial Period
£13,408.48
Total Amount Repayable
£197,042.32
Cash Back
£500.00
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Payment type: Repayment
Rate type: Tracker
Initial rate: 4.17%
Initial rate period: 2 years
Initial monthly payment: £537.27
Monthly payment after initial period: £665.34
Standard Variable Rate: 6.49%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £15.00
Valuation fee: Free valuation
Total fees: £1,014.00
APR: 6.3%
Cashback: £500.00
Early repayment charge: No
True cost over initial period: £13,408.48
True cost over full mortgage term: £197,042.32
For the first 2 years the mortgage rate is 4.24% giving you a monthly payment of £540.66 .
After your tracker rate ends, you will move to the Virgin Money standard variable rate which is currently 6.74% . This would give you a monthly payment of £679.22 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 50% based on the figures entered for this mortgage comparison.
The true cost of this mortgage over the initial period is £14,540.50 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,024.00 |
| Early Repayment Charge | No |
Initial Monthly Payment
£540.66
Ongoing Monthly Payment
£679.22
True Cost Over Initial Period
£14,540.50
Total Amount Repayable
£201,326.00
Lender: Virgin Money
Mortgage type: Residential Mortgage
Payment type: Repayment
Rate type: Tracker
Initial rate: 4.24%
Initial rate period: 2 years
Initial monthly payment: £540.66
Monthly payment after initial period: £679.22
Standard Variable Rate: 6.74%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £25.00
Valuation fee: Free valuation
Total fees: £1,024.00
APR: 6.3%
Early repayment charge: No
True cost over initial period: £14,540.50
True cost over full mortgage term: £201,326.00
For the first 2 years the mortgage rate is 4.25% giving you a monthly payment of £541.22 .
After your tracker rate ends, you will move to the Skipton BS standard variable rate which is currently 6.29% . This would give you a monthly payment of £653.46 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 50% based on the figures entered for this mortgage comparison.
The true cost of this mortgage over the initial period is £13,984.28 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £995.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £995.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | Free valuation |
| Total Fees | £995.00 |
| Early Repayment Charge | No |
Initial Monthly Payment
£541.22
Ongoing Monthly Payment
£653.46
True Cost Over Initial Period
£13,984.28
Total Amount Repayable
£194,339.24
Lender: Skipton BS
Mortgage type: Residential Mortgage
Payment type: Repayment
Rate type: Tracker
Initial rate: 4.25%
Initial rate period: 2 years
Initial monthly payment: £541.22
Monthly payment after initial period: £653.46
Standard Variable Rate: 6.29%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £995.00.
Arrangement fee: £995.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: Free valuation
Total fees: £995.00
APR: 6.2%
Early repayment charge: No
True cost over initial period: £13,984.28
True cost over full mortgage term: £194,339.24
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 £100,000 loan over 25 years equating to 300 monthly payments. Best buys are based on the Go Direct representative whole of market panel of lenders.
Once you compared the 2 year tracker rate mortgage & remortgage schemes if would like tracker rate mortgage advice, complete our mortgage enquiry form and we will contact you to discuses your 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.
