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 what you need.
Your home may be repossessed if you do not keep up repayments on your mortgage.
A mortgage that keeps your options open
Your rate reflects the market
For a set time, your rate tracks our base rate – which usually rises and falls with the Bank of England rate (but that’s not guaranteed).
Your monthly payment may vary
If our base rate changes during your tracker period, your payments will too. At the end of the tracker period, we’ll move you to our Standard Variable Rate.
Work out your budget
Use our calculators to help you plan – and remember that if interest rates go up when you have a tracker mortgage, your payments will too. Our base rate calculator will help you work out how a rate change would affect your payments. If you’d prefer to know how much your monthly mortgage payments will be, you’ll probably be better off with a fixed-rate mortgage.
Work out your mortgage budget
See how much you could borrow and work out what your monthly payments might be with our mortgage calculator.
Base rate information
How would a change affect your mortgage?
Use our calculator to see how a change in the Bank of England base rate could affect your mortgage payments.
How to apply
Once you’ve worked out how much you could borrow, complete an Agreement in Principle (AiP) to find out whether we’d be able to lend the amount you need – without affecting your credit score. If we can, the next step is to make an appointment with an adviser to choose the mortgage you want to apply for.
Agreement in Principle for a mortgage
Take the first step to your mortgage with an AiP
Start an Agreement in Principle (AiP) to find out quickly if you could borrow the amount you need – without affecting your credit score.
Your mortgage appointment
How to prepare for your discussion
Find out which documents you'll need, get a preview of what we’ll discuss with you and discover what happens after your appointment.
Our current rates
This table shows what the initial interest rate will be, as well as the follow-on rate, the amount you can borrow and any application and early repayment charges. You can sort any of the columns by selecting the column title.
You can save a copy of our tariff of mortgage charges and read our important legal information. Are you a Premier customer? See our dedicated mortgage range just for you. Already have a mortgage with us? If you’re looking to switch, you can take advantage of our exclusive rates for mortgage customers.
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Talk to us online
Start a web chat if you’d like to ask us a question online.
Call us1 today. Lines are open all day, every day – except during the Christmas period, when they may be closed at off-peak times.
0800 197 1081
More ways to buy your home
Fix your rate to plan your monthly budget
Want to know exactly what your mortgage payments will be each month? Our fixed-rate mortgage could be the right choice for you.
Put your savings to work with an offset mortgage
Linking your savings accounts to an offset mortgage could make your money work harder by reducing the mortgage balance you pay interest on.
Great Escape remortgages
Save money when you remortgage with us
You could save thousands of pounds when you switch to us from your current lender because we won't charge you application, valuation or standard legal fees.