Personal Premier Business Wealth Management Corporate Log In Search Menu Tracker mortgage A flexible mortgage that follows the market A tracker mortgage doesn’t tie you down to a fixed rate, so your payments could go up or down. Your home may be repossessed if you do not keep up repayments on your mortgage. What’s a tracker mortgage? Your monthly payment amount could change Unlike fixed-rate mortgages, a tracker rate can change. That means the amount you pay each month could go up if interest rates rise. Choose a tracker period that suits you You can choose a tracker for a set period of years – once it’s over, you can either switch to a new tracker or fixed rate, or we’ll move your mortgage to our follow-on rate. You could make overpayments You could pay more than your agreed monthly payment – we’ll tell you if there are any overpayment limits or early repayment charges before you take out any specific mortgage. Thinking about tracker rates You can use our interest rate calculator to see examples of how much extra you’d have to pay on the amount you want borrow if interest rates changed, and discover why interest rates can change. Interest rate calculator What if your rate changes? See how a change of interest rates would affect your mortgage payments Rates calculator Base rate change and mortgages About the Bank of England base rate Find out why the base rate affects your mortgage and use our calculator to see how your monthly payment could be affected. About the base rate How to apply Use our calculators to see how much you could afford to borrow, get an Agreement in principle to see if we could lend what you need and find out how to prepare for your mortgage appointment. How much could I borrow? Mortgage borrowing calculator Get a quick quote for how much you could borrow for a property you’ll live in, based on your financial situation. If you want a more accurate quote, use our affordability calculator. You’ll need to spend a little longer on this. How much could I borrow? Mortgage cost and repayment calculator How much would a mortgage cost? See examples of costs for different mortgage types and interest rates. What could it cost? Agreement in Principle Take the first step to your mortgage Start an Agreement in Principle (AiP) online to find out quickly if you could borrow the amount you need – without affecting your credit score. Get an AiP Starting your mortgage application Get ready to apply Find out how to book an appointment to start your mortgage application, and see the list of documents and information you’ll need to provide. Starting an application Our latest rates You can also check our full mortgage range [PDF, 562KB] to see if our other mortgages are suitable for you, download our tariff of mortgage charges [PDF, 265KB] and read our legal information. Show filters Product fee Annual percentage rate of charge Loan to value (LTV) 0.85% 2 Year Tracker. More details £999 3.2% APRC 60% (Min loan £5,000, Max loan £2,000,000) 0.95% 2 Year Tracker. More details £999 3.2% APRC 75% (Min loan £5,000, Max loan £2,000,000) 1.06% 2 Year Tracker. More details £0 3.2% APRC 60% (Min loan £5,000, Max loan £2,000,000) 1.18% 2 Year Tracker. More details £0 3.2% APRC 75% (Min loan £5,000, Max loan £2,000,000) 1.29% Residential Premier Exclusive 2 Year Tracker. More details £999 3.3% APRC 80% (Min loan £5,000, Max loan £2,000,000) 1.39% 2 Year Tracker. More details £999 3.3% APRC 80% (Min loan £5,000, Max loan £2,000,000) 1.52% 2 Year Offset Tracker. More details £1749 3.4% APRC 75% (Min loan £5,000, Max loan £2,000,000) *BEBR means the Bank of England Base Rate, which is currently 0.10% (effective 19 March 2020). Representative example: A capital and interest mortgage of £184,250 payable over 300 months on a tracker rate of 1.18% for 2 years and then our variable tracker rate of 3.49% above the Bank of England Base Rate (currently 0.10%), for the remaining term would require 24 monthly payments of £709.50 and 276 monthly payments of £913.30. The total amount payable would be £269,213.80 made up of the loan amount plus interest and £0 (product fee), £80 (final repayment charge), £35 (completion fee). The overall cost for comparison is 3.2% APRC representative. Need some help? Chat to us online Start a web chat if you a question about applying Start web chat Call us 0333 202 7580 Our mortgage experts are available every day from 7am to 8pm, except for bank holidays. To maintain a quality service, we may monitor and record phone calls. Call charges. Track It If you’ve submitted an application, use your mortgage application reference to find out what stage it’s at. Track It Current accounts Savings accounts ISAs Loans Mortgages Mortgage calculator Insurance Credit cards Home and contents insurance Help and FAQs Switch to Barclays How to report fraud Protect yourself from scams Important information Accessibility Privacy policy Cookies Security Careers Find a branch Service status Send us a message Find us on Twitter Barclays Bank UK PLC and Barclays Bank PLC are each authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Barclays Insurance Services Company Limited and Barclays Investment Solutions Limited are each authorised and regulated by the Financial Conduct Authority. Registered office for all: 1 Churchill Place, London E14 5HP Cookies We would like to collect data from your device while you use this website. We do this using cookies. You can find out more in our cookie policy. Collecting this data helps us provide the best experience for you, keeps your account secure, helps us provide social media features and allows us to personalise advert and service message content. Please select 'Accept all' to consent to us collecting your data in this way. To see other data collection options, select 'Preferences'. Preferences Accept All