Our Best tracker rate mortgage tables are updated daily to give you the best tracker rate mortgage deals on the market. The mortgage rates below are the lowest tracker rates with early repayment charges. If you have any questions about the tracker rate remortgage & mortgage schemes below or would like advice please contact us with any queries.
Compare current tracker mortgage rates for a £200,000 property with a £100,000 repayment mortgage, representing 50% LTV.
Lowest current 2 year tracker mortgage at 50% LTV: 3.99% (Max LTV 60%) with a £1,499 product fee. Lowest current 2 year tracker mortgage without a product fee at 50% LTV: 4.60% (Max LTV 65%) with no product fee. Lowest current 5 year tracker mortgage at 50% LTV: 4.35% (Max LTV 60%) with a £999 product fee. Rates checked 28 October 2026.
Showing 10 out of 45 matching tracker mortgage rates.
| Lender | Initial Rate | Rate Type | Max LTV | Fees | APRC | Monthly Payment | More Information |
|---|---|---|---|---|---|---|---|
| Lender Halifax | Initial Rate 3.99% then 7.24% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £1,499.00 Product Fee | APRC 6.9% | Monthly Payment £526.79 Initial Monthly Payment | More Information More information |
| Lender Barclays Bank | Initial Rate 3.99% then 5.74% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 5.7% | Monthly Payment £526.79 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 3.99% then 7.24% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £1,499.00 Product Fee | APRC 6.9% | Monthly Payment £526.79 Initial Monthly Payment | More Information More information |
| Lender Santander UK Plc | Initial Rate 4.08% then 6.5% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.1% | Monthly Payment £531.76 Initial Monthly Payment | More Information More information |
| Lender NatWest | Initial Rate 4.08% then 6.74% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £995.00 Product Fee | APRC 6.4% | Monthly Payment £532.26 Initial Monthly Payment | More Information 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 £532.82 Initial Monthly Payment | More Information More information |
| Lender HSBC | Initial Rate 4.15% then 6.24% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.1% | Monthly Payment £535.64 Initial Monthly Payment | More Information More information |
| Lender Barclays Bank | Initial Rate 4.17% then 5.74% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 5.7% | Monthly Payment £536.76 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 £537.27 Initial Monthly Payment | More Information More information |
| Lender Leeds BS | Initial Rate 4.19% then 7.74% variable | Rate Type Tracker for 2 years | Max LTV 65% | Fees £999.00 Product Fee | APRC 7.3% | Monthly Payment £537.87 Initial Monthly Payment | More Information More information |
Halifax Intermediary FTB 2 Year Tracker £1499 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 3.99% (until 31/12/2028) giving you a monthly payment of £526.79 .
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 repayment of £706.93 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 50% based on the figures you have entered.
The true cost of this mortgage over the initial period is £15,295.54 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £1,499.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,599.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £526.79 |
|---|---|
| Ongoing Monthly Payment | £706.93 |
| True Cost Over Initial Period | £15,295.54 |
| Total Amount Repayable | £208,994.36 |
Barclays Bank 2 Year Tracker £999 Fee Purchase Premier C/A No ERC
Mortgage Summary
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 repayment of £621.04 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 50% based on the figures you have entered.
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.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,104.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £526.79 |
|---|---|
| Ongoing Monthly Payment | £621.04 |
| True Cost Over Initial Period | £13,746.96 |
| Total Amount Repayable | £185,154.00 |
Halifax Intermediary 2 Year Tracker £1499 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 3.99% (until 31/12/2028) giving you a monthly payment of £526.79 .
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 repayment of £706.93 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 50% based on the figures you have entered.
The true cost of this mortgage over the initial period is £15,295.54 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £1,499.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,599.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £526.79 |
|---|---|
| Ongoing Monthly Payment | £706.93 |
| True Cost Over Initial Period | £15,295.54 |
| Total Amount Repayable | £208,994.36 |
Santander UK Plc 2 Year Tracker £999 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 4.08% giving you a monthly payment of £531.76 .
After your tracker rate ends, you will move to the Santander UK Plc standard variable rate which is currently 6.5% . This would give you a monthly repayment of £664.85 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 50% based on the figures you have entered.
The true cost of this mortgage over the initial period is £13,986.24 , 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 | £0.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,224.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £531.76 |
|---|---|
| Ongoing Monthly Payment | £664.85 |
| True Cost Over Initial Period | £13,986.24 |
| Total Amount Repayable | £197,484.84 |
NatWest Intermediary 2 Year Tracker £995 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 4.08% (until 31/01/2029) giving you a monthly payment of £532.26 .
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 repayment of £678.17 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 50% based on the figures you have entered.
The true cost of this mortgage over the initial period is £15,396.02 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £995.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £30.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,025.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £532.26 |
|---|---|
| Ongoing Monthly Payment | £678.17 |
| True Cost Over Initial Period | £15,396.02 |
| Total Amount Repayable | £200,536.43 |
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 £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 repayment of £664.98 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 50% based on the figures you have entered.
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.
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 | £532.82 |
|---|---|
| Ongoing Monthly Payment | £664.98 |
| True Cost Over Initial Period | £13,801.68 |
| Total Amount Repayable | £197,336.16 |
HSBC Intermediary 2 Year Tracker £999 Fee Purchase Standard
Mortgage Summary
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 repayment of £650.14 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 50% based on the figures you have entered.
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.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £17.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,016.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £535.64 |
|---|---|
| Ongoing Monthly Payment | £650.14 |
| True Cost Over Initial Period | £13,871.36 |
| Total Amount Repayable | £193,310.00 |
Barclays Bank 2 Year Tracker £999 Fee Purchase No ERC
Mortgage Summary
For the first 2 years the mortgage rate is 4.17% giving you a monthly payment of £536.76 .
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 repayment of £621.81 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 50% based on the figures you have entered.
The true cost of this mortgage over the initial period is £13,986.24 , 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 | £25.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,104.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £536.76 |
|---|---|
| Ongoing Monthly Payment | £621.81 |
| True Cost Over Initial Period | £13,986.24 |
| Total Amount Repayable | £185,605.80 |
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 £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 repayment of £665.34 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 50% based on the figures you have entered.
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.
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 | £537.27 |
|---|---|
| Ongoing Monthly Payment | £665.34 |
| True Cost Over Initial Period | £13,408.48 |
| Total Amount Repayable | £197,042.32 |
Leeds BS 2 Year Tracker £999 Fee
Mortgage Summary
For the first 2 years the mortgage rate is 4.19% (until 31/01/2029) giving you a monthly payment of £537.87 .
After your tracker rate ends, you will move to the Leeds BS standard variable rate which is currently 7.74% . This would give you a monthly repayment of £737.44 .
The maximum Loan to Value (LTV) is 65% for this mortgage. Your LTV is 50% based on the figures you have entered.
The true cost of this mortgage over the initial period is £15,755.49 , 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 | £35.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,233.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £537.87 |
|---|---|
| Ongoing Monthly Payment | £737.44 |
| True Cost Over Initial Period | £15,755.49 |
| Total Amount Repayable | £217,076.61 |
Compare residential and buy-to-let tracker mortgage options, or read how tracker rates work before choosing a product.
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.
Tracker rates can rise or fall with their reference rate, while fixed rates offer an agreed period of interest-rate certainty. Compare fees and early repayment charges as well as initial interest rates. Read how tracker mortgages work, compare 2-year tracker mortgage rates, or review 60% LTV fixed mortgage rates as a fixed-rate example.
Tracker mortgage products are available at different loan-to-value (LTV) bands. The deposit or equity available can affect which products qualify. Compare our 60% LTV, 75% LTV and 90% LTV tracker rate pages. These are more specific comparisons, while the table above is the main residential tracker comparison.
Once you compare the best tracker mortgage rate & 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 a qualified advisor before undertaking any borrowing/these calculations are for illustration purposes only and may not reflect the true cost of repayment.
