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 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 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 change and mortgages

About the Bank of England base rate

Find out how the recent increase in the base rate set by the UK’s central bank affects your mortgage.


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 (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. 

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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Start a web chat if you’d like to ask us a question online.

Call us

Call us1 today on 0800 197 1081. Lines are open all day, every day, except on bank holidays and during Christmas, when they may be closed at off-peak times.

More ways to buy your home

Fixed-rate mortgages

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.

Offset mortgages

Offset mortgages

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.