With a Tracker mortgage, your payments track the Bank of England base rate for a set period after which the interest rate reverts to our Standard Variable Rate. This can mean lower payments if interest rates fall. But if interest rates rise, your repayments will do the same. Find out how much you could borrow, with our online mortgage calculator or view our current Tracker mortgage deals.
Reduced payments - you may benefit from lower repayments if the Bank of England base rate reduces. But remember rates, and your payments, can increase as well
Overpay - up to 10% of your outstanding mortgage balance each year to reduce your mortgage term or cut your monthly repayments without paying an early repayment charge
Benefit packages - available on some of our Tracker mortgages, these include a free basic valuation for a property up to the value of £2.5 million, and standard legal fees paid for remortgaging or £250 cashback if you’re moving home. Early repayment charges will apply
Risk - you need to be comfortable with repayments that could rise as well as fall
Visit our quick, easy mortgage calculator to work out how much you could borrow and whether it’s affordable.
Applying for a Tracker mortgage
If you’re looking to get your first mortgage with us, one of our Mortgage Advisers will get back to you at a time you choose to discuss your options and answer any queries.
If you’ve already found a property, we can talk you through the full mortgage application and get you quickly on your way to owning your dream home.
Phone us on 0800 023 2761 or call in to any branch. You can find your nearest one using our branch finder. Remember, you'll need to bring some proof of your name and address. See a list of acceptable Identification.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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