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%

1083 Total reviews

4.81 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 42 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 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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