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%

1766 Total reviews

4.85 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 537 mortgage deals that match your search

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Scheme ID 40216
Initial rate 1.14% then 3.74% (variable) ?
Monthly repayments £ 1,150 ?
Type/Duration Variable ?
Scheme fees £1,699 ?
Cost comparison £29,293 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges 2% until 30-06-21, 1% until 30-06-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.14%, and then on a variable rate for 22 years and 10 months at 3.74%. This would require 26 payments of £1,149.73 and 274 payments of £1,506.14. The total amount payable would be £444,274 made up of the loan amount plus interest (£142,575) and fees (£1,699 which includes exit fees of £0). The overall cost for comparison is 3.36% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 40218
Initial rate 1.17% then 3.74% (variable) ?
Monthly repayments £ 1,154 ?
Type/Duration Variable ?
Scheme fees £1,199 ?
Cost comparison £28,891 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges 2% until 30-06-21, 1% until 30-06-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.17%, and then on a variable rate for 22 years and 10 months at 3.74%. This would require 26 payments of £1,153.85 and 274 payments of £1,506.58. The total amount payable would be £444,002 made up of the loan amount plus interest (£142,803) and fees (£1,199 which includes exit fees of £0). The overall cost for comparison is 3.35% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 16525
Initial rate 1.18% then 3.59% (variable) ?
Monthly repayments £ 1,155 ?
Type/Duration Variable ?
Scheme fees £35 ?
Cost comparison £27,761 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges £80, plus (1% in years 1-2) of balance repaid

Other info

Exit fees £80
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years at 1.1800000000000002%, and then on a tracker rate for 23 years at 3.5900000000000003%. This would require 24 payments of £1,155.23 and 276 payments of £1,487.06. The total amount payable would be £438,269 made up of the loan amount plus interest (£138,234) and fees (£115 which includes exit fees of £80). The overall cost for comparison is 3.22% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 38097
Initial rate 1.19% then 3.59% (variable) ?
Monthly repayments £ 1,157 ?
Type/Duration Variable ?
Scheme fees £1,025 ?
Cost comparison £28,784 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges 2% until 30-06-21, 1% until 30-06-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.19%, and then on a variable rate for 22 years and 10 months at 3.59%. This would require 26 payments of £1,156.61 and 274 payments of £1,484.76. The total amount payable would be £437,921 made up of the loan amount plus interest (£136,896) and fees (£1,025 which includes exit fees of £0). The overall cost for comparison is 3.22% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 37241
Initial rate 1.21% then 3.59% (variable) ?
Monthly repayments £ 1,159 ?
Type/Duration Variable ?
Scheme fees £1,377 ?
Cost comparison £28,952 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £250

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges 2% until 30-06-21, 1% until 30-06-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.21%, and then on a variable rate for 22 years and 10 months at 3.59%. This would require 26 payments of £1,159.36 and 274 payments of £1,485.06. The total amount payable would be £438,177 made up of the loan amount plus interest (£136,800) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 3.24% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 2942
Initial rate 1.21% then 3.59% (variable) ?
Monthly repayments £ 1,159 ?
Type/Duration Variable ?
Scheme fees £1,034 ?
Cost comparison £28,859 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges £80, plus (2% until 30-04-22) of balance repaid

Other info

Exit fees £80
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years at 1.21%, and then on a tracker rate for 23 years at 3.5900000000000003%. This would require 24 payments of £1,159.36 and 276 payments of £1,487.46. The total amount payable would be £439,478 made up of the loan amount plus interest (£138,444) and fees (£1,114 which includes exit fees of £80). The overall cost for comparison is 3.26% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 37242
Initial rate 1.23% then 3.59% (variable) ?
Monthly repayments £ 1,162 ?
Type/Duration Variable ?
Scheme fees £1,377 ?
Cost comparison £29,018 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £250

Flexibility

Max LTV 70%
Overpayments allowed? Yes
Early Repayment charges 2% until 30-06-21, 1% until 30-06-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.23%, and then on a variable rate for 22 years and 10 months at 3.59%. This would require 26 payments of £1,162.13 and 274 payments of £1,485.35. The total amount payable would be £438,328 made up of the loan amount plus interest (£136,951) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 3.24% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 38087
Initial rate 1.24% then 3.59% (variable) ?
Monthly repayments £ 1,164 ?
Type/Duration Variable ?
Scheme fees £1,025 ?
Cost comparison £28,949 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 70%
Overpayments allowed? Yes
Early Repayment charges 2% until 30-06-21, 1% until 30-06-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.24%, and then on a variable rate for 22 years and 10 months at 3.59%. This would require 26 payments of £1,163.51 and 274 payments of £1,485.49. The total amount payable would be £438,301 made up of the loan amount plus interest (£137,276) and fees (£1,025 which includes exit fees of £0). The overall cost for comparison is 3.23% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 37283
Initial rate 1.25% then 3.59% (variable) ?
Monthly repayments £ 1,165 ?
Type/Duration Variable ?
Scheme fees £1,377 ?
Cost comparison £29,084 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £250

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2% until 30-06-21, 1% until 30-06-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.25%, and then on a variable rate for 22 years and 10 months at 3.59%. This would require 26 payments of £1,164.89 and 274 payments of £1,485.64. The total amount payable would be £438,479 made up of the loan amount plus interest (£137,102) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 3.24% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 38092
Initial rate 1.26% then 3.59% (variable) ?
Monthly repayments £ 1,166 ?
Type/Duration Variable ?
Scheme fees £1,025 ?
Cost comparison £29,016 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2% until 30-06-21, 1% until 30-06-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.26%, and then on a variable rate for 22 years and 10 months at 3.59%. This would require 26 payments of £1,166.28 and 274 payments of £1,485.78. The total amount payable would be £438,452 made up of the loan amount plus interest (£137,427) and fees (£1,025 which includes exit fees of £0). The overall cost for comparison is 3.23% APRC representative.

0344 346 3672 or Enquire now

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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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