Tracker mortgage

A flexible mortgage that follows the market



A tracker mortgage doesn’t tie you down to a fixed rate, so your payments could go up or down.

Your home may be repossessed if you do not keep up repayments on your mortgage.

What’s a tracker mortgage?

Your monthly payment amount could change

Unlike fixed-rate mortgages, a tracker rate can change. That means the amount you pay each month could go up if interest rates rise.

Choose a tracker period that suits you

You can choose a tracker for a set period of years – once it’s over, you can either switch to a new tracker or fixed rate, or we’ll move your mortgage to our follow-on rate.

You could make overpayments

You could pay more than your agreed monthly payment – we’ll tell you if there are any overpayment limits or early repayment charges before you take out any specific mortgage.

Thinking about tracker rates

You can use our interest rate calculator to see examples of how much extra you’d have to pay on the amount you want borrow if interest rates changed, and discover why interest rates can change.?

Interest rate calculator

What if your rate changes?

See how a change of interest rates would affect your mortgage payments

Base rate change and mortgages

About the Bank of England base rate

Find out why the base rate affects your mortgage and use our calculator to see how your monthly payment could be affected.

How to apply

Use our calculators to see how much you could afford to borrow, get an Agreement in principle to see if we could lend what you need and find out how to prepare for your mortgage appointment.

How much can I borrow?

Mortgage borrowing calculator

Calculate how much you could borrow as a mortgage for a property you’ll live in, based on your salary or other income, and your financial situation.

Mortgage cost calculator

How much would a mortgage cost?

See examples of costs for different mortgage types and interest rates.

Agreement in Principle (AiP)

Take the first step to your mortgage with an AiP

Start an Agreement in Principle (AiP) online to find out quickly if you could borrow the amount you need – without affecting your credit score.?

Starting your mortgage application

Get ready to apply

Find out how to book an appointment to start your mortgage application, and see the list of documents and information you’ll need to provide.

Our latest rates

You can also check our full mortgage range?to see if our other mortgages are suitable for you, download our?tariff of mortgage charges and read our legal information.?

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Need some help?

Chat to us online

Start a web chat if you a question about applying?

Call us

Call us1?any time – lines may be closed at off-peak times on bank holidays and during Christmas.

0333 202 7580

Track It

If you’ve submitted an application, use your mortgage application reference to find out what stage it’s at.