We can help you compare 1000s of tracker rate mortgage deals

John Charcol

John Charcol 0330 057 5173 £

Cutlers Exchange, 123 Houndsditch London EC3A 7BU

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1002 Total reviews

4.82 Average rating

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If you’re looking at tracker mortgages, which are also known as variable or discount rate mortgages,  our comparison tool provides an indication of the best deals currently on the market. To find out if you qualify or if there are better options available call our experts who can conduct a more detailed, personalised search. By choosing John Charcol we can help you save time and money and our mortgage experts will manage your application from start to finish.

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We recommend you sort by True Cost Comparison find out more

We recommend you sort by True Cost Comparison

We suggest you use our ‘True Cost Comparison’ filter. This allows you to accurately understand how different mortgages compare by ordering results based on the total cost over a ‘deal period’, such as a two, or five-year fixed rate mortgage.

Some low interest rate deals might seem attractive, but if fees are higher they might not be the best value for you. When comparing mortgage deals our true cost comparison factors the lender fees over the length of the deal as well as your monthly mortgage payments.

For example, if your repayments are £2,000 per month on a two-year fixed-rate mortgage, plus £500 in lender fees, the total cost of the deal is £48,500.

We've found 41 mortgages that match your search

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Rate 1.8% ?
Monthly repayments £828 ?
Type/Duration Variable ?
Scheme fees £1,132 ?
Cost comparison £249,643 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £8
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges -

Other info

Exit fees £125
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, on a variable rate of 1.8% for 25 years would require 300 payments of £828.37. The total amount payable would be £249,643 made up of the loan amount plus interest (£48,511) and fees (£1,132 which includes exit fees of £125). The overall cost for comparison is 1.9% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Rate 1.85% ?
Monthly repayments £833 ?
Type/Duration Variable ?
Scheme fees £1,110 ?
Cost comparison £251,064 ?

Fees & Charges

Booking fee £250
Arrangement fee £700
Valuation fee £30
Other fees £35
Cashback £0

Flexibility

Max LTV 80%
Overpayments allowed? Yes
Early Repayment charges -

Other info

Exit fees £95
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, on a variable rate of 1.85% for 25 years would require 300 payments of £833.18. The total amount payable would be £251,064 made up of the loan amount plus interest (£49,954) and fees (£1,110 which includes exit fees of £95). The overall cost for comparison is 2% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Rate 1.95% ?
Monthly repayments £843 ?
Type/Duration Variable ?
Scheme fees £1,149 ?
Cost comparison £254,004 ?

Fees & Charges

Booking fee £199
Arrangement fee £800
Valuation fee £0
Other fees £0
Cashback £0

Flexibility

Max LTV 80%
Overpayments allowed? Yes
Early Repayment charges -

Other info

Exit fees £150
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, on a variable rate of 1.95% for 25 years would require 300 payments of £842.85. The total amount payable would be £254,004 made up of the loan amount plus interest (£52,855) and fees (£1,149 which includes exit fees of £150). The overall cost for comparison is 2% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Rate 2.1% ?
Monthly repayments £857 ?
Type/Duration Variable ?
Scheme fees £1,132 ?
Cost comparison £258,376 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £8
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges -

Other info

Exit fees £125
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, on a variable rate of 2.1% for 25 years would require 300 payments of £857.48. The total amount payable would be £258,376 made up of the loan amount plus interest (£57,244) and fees (£1,132 which includes exit fees of £125). The overall cost for comparison is 2.2% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Rate 2.2% ?
Monthly repayments £867 ?
Type/Duration Variable ?
Scheme fees £632 ?
Cost comparison £260,828 ?

Fees & Charges

Booking fee £0
Arrangement fee £499
Valuation fee £0
Other fees £8
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges -

Other info

Exit fees £125
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, on a variable rate of 2.2% for 25 years would require 300 payments of £867.32. The total amount payable would be £260,828 made up of the loan amount plus interest (£60,196) and fees (£632 which includes exit fees of £125). The overall cost for comparison is 2.3% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Rate 3.13% ?
Monthly repayments £962 ?
Type/Duration Variable ?
Scheme fees £1,599 ?
Cost comparison £290,199 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £480
Other fees £30
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid within 3 years

Other info

Exit fees £90
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, on a variable rate of 3.13% for 25 years would require 300 payments of £962.00. The total amount payable would be £290,199 made up of the loan amount plus interest (£88,600) and fees (£1,599 which includes exit fees of £90). The overall cost for comparison is 3.4% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Rate 3.2% ?
Monthly repayments £969 ?
Type/Duration Variable ?
Scheme fees £295 ?
Cost comparison £291,103 ?

Fees & Charges

Booking fee £0
Arrangement fee £0
Valuation fee £270
Other fees £25
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges -

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, on a variable rate of 3.2% for 25 years would require 300 payments of £969.36. The total amount payable would be £291,103 made up of the loan amount plus interest (£90,808) and fees (£295 which includes exit fees of £0). The overall cost for comparison is 3.3% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Rate 3.84% ?
Monthly repayments £1,038 ?
Type/Duration Variable ?
Scheme fees £1,415 ?
Cost comparison £312,842 ?

Fees & Charges

Booking fee £0
Arrangement fee £995
Valuation fee £265
Other fees £35
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2% of loan amount redeemed to be paid within 1 year; then 1% of loan amount redeemed to be paid for next 2 years

Other info

Exit fees £120
Basic legals £0

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, on a variable rate of 3.84% for 25 years would require 300 payments of £1,038.09. The total amount payable would be £312,842 made up of the loan amount plus interest (£111,427) and fees (£1,415 which includes exit fees of £120). The overall cost for comparison is 4% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Rate 3.96% ?
Monthly repayments £1,051 ?
Type/Duration Variable ?
Scheme fees £1,935 ?
Cost comparison £317,313 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,495
Valuation fee £250
Other fees £35
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.5% of loan amount redeemed to be paid within 1 year; then 1% of loan amount redeemed to be paid for next 1 year; then 0.5% of loan amount redeemed to be paid for next 1 year

Other info

Exit fees £155
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, on a variable rate of 3.96% for 25 years would require 300 payments of £1,051.26. The total amount payable would be £317,313 made up of the loan amount plus interest (£115,378) and fees (£1,935 which includes exit fees of £155). The overall cost for comparison is 4.3% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Rate 4.04% ?
Monthly repayments £1,077 ?
Type/Duration Variable ?
Scheme fees £385 ?
Cost comparison £323,416 ?

Fees & Charges

Booking fee £0
Arrangement fee £0
Valuation fee £270
Other fees £25
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges -

Other info

Exit fees £90
Basic legals £0

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, on a variable rate of 4.04% for 25 years would require 300 payments of £1,076.77. The total amount payable would be £323,416 made up of the loan amount plus interest (£123,031) and fees (£385 which includes exit fees of £90). The overall cost for comparison is 4% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

View more mortgages

When choosing the right mortgage deal, expertise counts

Many of the tracker deals highlighted by our mortgage comparison tool will only be available through independent brokers like John Charcol. When you’ve found a tracker rate deal that you think is right call our experts and they can compare it to 1000’s of mortgage products in the market, including deals that aren’t available on the high street.

When arranging any mortgage it's important to remember that the best deals aren’t necessarily about the lowest mortgage rate possible. By choosing John Charcol our experts will help you by researching the market and recommending the best product based on a variety of criteria, such as, the rate available to you, the mortgage set up costs, whether or not the product is portable to another property and the amount of any early repayment charges. Regardless of whether you’re a first time buyer, remortgaging, moving home or investing in the property market we can help save you time, effort and money.

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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.

John Charcol is a trading name of John Charcol Limited and its Appointed Representatives. John Charcol Limited is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 665649. Registered in England No. 9157892. Registered office address for John Charcol Limited is 5th Floor, Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU. The FCA does not regulate some investment mortgage contracts. Calls may be recorded for training and monitoring.