Your monthly payment could change
Unlike fixed-rate mortgages, a tracker rate can change. This means the amount you pay each month could go up or down if the Bank of England base rate changes. Our flexible options help you adapt to market changes.
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?
Choose a tracker period that suits you
You can choose a tracker for a set term. At the end of the term, 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 contractual monthly payment. We'll let you know if there are any overpayment limits or early repayment charges before you take out a specific mortgage.
More about overpayments.
Enjoy extra flexibility with Switch and Fix
All our tracker mortgage accounts can be switched to any of our fixed-rate mortgage deals without having to pay an early repayment charge.
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 could I borrow?
Mortgage borrowing calculator
Get a quick quote for how much you could borrow for a property you’ll live in, based on your financial situation. If you want a more accurate quote, use our affordability calculator. You’ll need to spend a little longer on this.
Mortgage cost and repayment calculator
How much would a mortgage cost?
See examples of costs for different mortgage types and interest rates.
Agreement in Principle
Take the first step to your mortgage
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 [PDF, 562KB] to see if our other mortgages are suitable for you, download our tariff of mortgage charges [PDF, 265KB] and read our legal information.
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Need some help?
Call us
0333 202 7580
Our mortgage experts are available Monday to Friday from 7am to 8pm, and from 7am to 5pm at weekends. To maintain a quality service, we may monitor or record phone calls. Call charges.
Track It
If you’ve submitted an application, use your mortgage application reference to find out what stage it’s at.