Tracker Mortgages
Your rate moves with the Bank of England base rate — nothing more, nothing less.
Why tracker?
A tracker mortgage has an interest rate that moves directly in line with the Bank of England base rate. When the base rate goes up, your mortgage rate and monthly payments increase. When it goes down, you pay less. This transparency makes tracker mortgages popular with borrowers who want a clear, predictable link between their rate and the wider economy.
Tracker mortgages typically come with a set margin above the base rate, for example base rate plus 0.75%. Unlike a [standard variable rate](/mortgage-types/variable-rate-mortgages), which your lender can change at any time, a tracker rate can only move when the base rate itself changes. This gives you a level of certainty about how your rate is set.
At Clearview Mortgage Solutions, our advisers can help you decide whether a tracker mortgage suits your financial situation and risk appetite. We compare tracker deals across 90+ UK lenders to find the right product for you.
Key facts
90+
UK lenders compared
FCA
Regulated advice
Free
Initial consultation
CeMAP
Qualified advisers
Your next moves.
The shortest path from where you are to a real mortgage offer.
Estimate your monthly cost and how much you could borrow with our tracker calculator.
Open calculatorRun the numbers.
Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about Tracker mortgages
A guide to tracker mortgages
Everything you need to know about tracker mortgages, how the base rate affects your payments, and whether a tracker deal is right for you.
ReadTracker vs fixed rate mortgages
A detailed comparison of tracker and fixed rate mortgages to help you decide which type suits your circumstances.
ReadHow base rate changes affect your mortgage
Understanding the Bank of England base rate, how it influences mortgage rates, and what rising or falling rates mean for your repayments.
Read
Frequently asked.
Your mortgage rate will increase by the same amount as the base rate rise. For example, if the base rate goes up by 0.25%, your tracker rate will also increase by 0.25%, and your monthly payments will go up accordingly. The exact increase in pounds depends on your outstanding balance and remaining term.
Talk to a specialist.
tracker mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
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Higher approval confidence
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Service that performs
Clear communication, realistic timelines, and the right product — not just the lowest headline rate.