Compare tracker mortgages to find the best deals for you

John Charcol

John Charcol 0330 057 5173 £

Cutlers Exchange, 123 Houndsditch London EC3A 7BU

90%

1213 Total reviews

4.82 Average rating

Reviews.co.uk

Tracker mortgages are also known as variable or discount rate mortgages. The rate of interest charged can move up or down, following the Bank of England base rate. Our tool below allows you to compare thousands of deals to find cheapest tracker mortgages and the best rates for you.

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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 43 mortgage deals that match your search

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Product code 002ER6
Rate 2.1% ?
Monthly repayments £857 ?
Type/Duration Variable ?
Scheme fees £1,160 ?
Cost comparison £258,404 ?

Fees & Charges

Booking fee £250
Arrangement fee £700
Valuation fee £80
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 2.1% for 25 years would require 300 payments of £857.48. The total amount payable would be £258,404 made up of the loan amount plus interest (£57,244) and fees (£1,160 which includes exit fees of £95). The overall cost for comparison is 2.2% APRC representative.

More info

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

Product code 004IBR
Rate 2.15% ?
Monthly repayments £862 ?
Type/Duration Variable ?
Scheme fees £1,132 ?
Cost comparison £259,849 ?

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 2.15% for 25 years would require 300 payments of £862.39. The total amount payable would be £259,849 made up of the loan amount plus interest (£58,717) and fees (£1,132 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

Product code 004IBL
Rate 2.29% ?
Monthly repayments £876 ?
Type/Duration Variable ?
Scheme fees £1,132 ?
Cost comparison £264,001 ?

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 2.29% for 25 years would require 300 payments of £876.23. The total amount payable would be £264,001 made up of the loan amount plus interest (£62,869) and fees (£1,132 which includes exit fees of £125). The overall cost for comparison is 2.4% APRC representative.

More info

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

Product code KPF
Rate 2.39% ?
Monthly repayments £886 ?
Type/Duration Variable ?
Scheme fees £1,149 ?
Cost comparison £267,006 ?

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 2.39% for 25 years would require 300 payments of £886.19. The total amount payable would be £267,006 made up of the loan amount plus interest (£65,857) and fees (£1,149 which includes exit fees of £150). The overall cost for comparison is 2.4% APRC representative.

More info

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

Product code 004IBO
Rate 2.45% ?
Monthly repayments £892 ?
Type/Duration Variable ?
Scheme fees £632 ?
Cost comparison £268,295 ?

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 2.45% for 25 years would require 300 payments of £892.21. The total amount payable would be £268,295 made up of the loan amount plus interest (£67,663) and fees (£632 which includes exit fees of £125). The overall cost for comparison is 2.5% APRC representative.

More info

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

Product code 00486M
Initial rate 2.54% then 6.2% (variable) ?
Monthly repayments £901 ?
Type/Duration Variable ?
Scheme fees £1,474 ?
Cost comparison £31,216 ?

Fees & Charges

Booking fee £299
Arrangement fee £1,000
Valuation fee £0
Other fees £25
Cashback £0

Flexibility

Max LTV 95%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 30-Sep-2020; then 2.00% of loan amount redeemed to be paid until 30-Sep-2021

Other info

Exit fees £150
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 33 months at 2.54% and then on a variable rate, currently 6.2%, for the remaining 22 years and 3 months would require 33 payments of £901.27 and 267 payments of £1,269.77. The total amount payable would be £370,245 made up of the loan amount plus interest (£168,771) and fees (£1,474 which includes exit fees of £150). The overall cost for comparison is 5.3% APRC representative.

More info

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

Product code 00113X
Rate 3.38% ?
Monthly repayments £988 ?
Type/Duration Variable ?
Scheme fees £1,599 ?
Cost comparison £298,125 ?

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 3.38% for 25 years would require 300 payments of £988.42. The total amount payable would be £298,125 made up of the loan amount plus interest (£96,526) and fees (£1,599 which includes exit fees of £90). The overall cost for comparison is 3.6% APRC representative.

More info

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

Product code 002CZU
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 Payable

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

Product code 0022TK
Rate 4.19% ?
Monthly repayments £1,077 ?
Type/Duration Variable ?
Scheme fees £1,520 ?
Cost comparison £324,551 ?

Fees & Charges

Booking fee £0
Arrangement fee £995
Valuation fee £370
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 4.19% for 25 years would require 300 payments of £1,076.77. The total amount payable would be £324,551 made up of the loan amount plus interest (£123,031) and fees (£1,520 which includes exit fees of £120). The overall cost for comparison is 4.4% APRC representative.

More info

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

Product code 23K
Rate 4.32% ?
Monthly repayments £1,108 ?
Type/Duration Variable ?
Scheme fees £2,060 ?
Cost comparison £334,538 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,495
Valuation fee £375
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 4.32% for 25 years would require 300 payments of £1,108.26. The total amount payable would be £334,538 made up of the loan amount plus interest (£132,478) and fees (£2,060 which includes exit fees of £155). The overall cost for comparison is 4.7% APRC representative.

More info

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

View more mortgages

When choosing the best tracker mortgage, expertise counts

Many of the tracker mortgage rates that you can find with our comparison tool are only available through independent brokers like John Charcol. When you’ve found a mortgage tracker rate that you think is right for you, call our experts so they compare it against thousands of mortgage products in the market. 

It's important to remember that the best deals aren’t necessarily the cheapest tracker mortgages. When you choose John Charcol, our experts will help you by researching the market and recommending the best tracker mortgages based on the criteria that you tell us.   

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