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Tracker mortgages

A flexible mortgage that follows the market

If you want a mortgage that reflects the market but doesn’t tie you down to a rate, our tracker mortgages may be the right choice for you.

  • Variable rate mortgage that tracks the Barclays Bank Base Rate (BBBR) 
  • Switch to a Barclays fixed-rate mortgage whenever you want to
  • Flexibility to overpay some of your mortgage each year without facing early repayment charges 1

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

A mortgage that keeps your options open

A tracker mortgage has a variable interest rate that tracks your lender’s base rate which is based on the Bank of England base rate – for a set term.

This means that if your lender’s base rate falls, your mortgage payments will decrease. However, if the rate goes up, your mortgage payments will increase. At the end of the tracker term, the interest rate will revert to your lender’s Standard Variable Rate, unless you have a lifetime tracker mortgage.

Our tracker mortgages also give you the flexibility to switch to a Barclays fixed-rate mortgage whenever you want to, so you won’t be tied to the tracker rate.

Is it right for you?

A tracker mortgage could be right for you if

  • You want your mortgage to reflect the market
  • You want to take advantage of the current low base rate
  • You can afford the possible increase in your monthly payments if the base rate goes up
  • You want the flexibility to overpay some of your mortgage each year without facing early repayment charges 2

If you want to know exactly how much your monthly mortgage payments will be, you’ll probably be better off with a fixed-rate mortgage .

Calculate what you could borrow

Our mortgage calculator can help you determine how much you could afford to borrow and what your monthly payments may be.

You can also see how a change in interest rates would affect your mortgage payments with our mortgage base rate calculator .

How to apply

Find out whether we’d be willing to lend to you in a matter of minutes through an Agreement in Principle. We’ll just ask you a few details about yourself, your current property, your income and regular spending. An Agreement in Principle doesn’t guarantee you’ll be successful – but it can help you get an idea of the amount you could borrow. You can get started online, call us or book an appointment in branch.

Get started online

Book an appointment

Call us on 0333 202 7573 2

Visit a branch

Our current tracker rates

This table outlines what the initial interest rate will be, as well as the follow-on rate, the amount you can borrow, and any early repayment charges that may apply. You can sort any of the columns by selecting the column title.

You can save a copy of our tariff of charges and read our important legal information.

Are you a Premier customer? See our exclusive mortgage range.

The current mortgages data is unavailable. A complete list of all mortgage rates is available for download here.


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Product name

Initial interest rate

Follow on interest rate

Overall cost for comparison

Loan to value

Mortgage fee

Early repayment charge

*BBBR means the Barclays Bank Base Rate, which is currently 0.50% (effective 6 March 2009).

Need some help?

If you want to know more about mortgages, choose how you’d like to get in touch – online, in branch or over the phone. You can also browse our mortgage FAQs .

If you want help choosing the right mortgage for you, you’ll need to call us to speak to a mortgage adviser.

Talk to us online

Call us on

0800 197 10813

Visit a branch

More ways to buy your home

Fixed-rate mortgages

Fix your monthly mortgage payments for a set term so you can budget with confidence.

Offset mortgages

Link your savings to an offset mortgage and you could reduce your mortgage term or monthly payments.

Great Escape mortgages

With our award-winning Great Escape mortgages you can remortgage with no application, valuation or standard legal fees

Important information

Subject to status and availability. You must be 18 years old or over to apply for a mortgage.

  1. Your mortgage offer terms and conditions will explain your overpayment allowance and confirm whether you need to pay an early repayment charge.
  2. Lines are open Monday to Friday, 8am – 6pm and Saturday 9am – 5pm. To maintain a quality service, we may monitor or record phone calls. Call charges
  3. Lines are open Monday to Friday, 8am – 9pm, Saturday 9am – 8pm and Sunday 10am – 4pm. To maintain a quality service, we may monitor or record phone calls. Call charges