Tools: Best buys: Tracker mortgages
2 year purchase
| Provider | Product | Rate on which initial payments are based | Calculation applied to Early Redemption Charge | Fees payable on application or completion (based on £150k if %) | Maximum LTV for remortgage, house purchase or first time buyer | Apply |
|---|---|---|---|---|---|---|
| First Direct | 2yr BBR + 1.49% LTV 65% Direct | 1.99 | na | 1499 | 65 |  |
| Saffron Building Society | 2yr BBR + 1.49% Tracker H/P LTV 65% Direct | 1.99 | 2% | 0 | 65 | |
| Chelsea Building Society | 2yr BBR + 1.89% LTV 70% Direct | 2.39 | 2% | 1495 | 70 | |
| NatWest | 2yr BBR + 1.95% LTV 60% Direct | 2.45 | 3% | 999 | 60 | |
| Royal Bank of Scotland | 2yr BBR + 1.95% Tracker LTV 60% | 2.45 | 3% | 999 | 60 | |
| Yorkshire Building Society | 2yr BBR + 1.99% Tracker LTV 75% Direct | 2.49 | 2% | 995 | 75 | |
| Barnsley | 2yr BBR + 2.04% Tracker Direct LTV 75% | 2.54 | 2% | 375 | 75 | |
| Coventry Building Society | 2yr BBR + 2.09% Tracker Offset LTV 65% | 2.59 | 4% | 999 | 65 | |
| Vernon | 2yr BBR + 2.10% Tracker LTV 70% | 2.6 | 3% | 499 | 70 | |
| Market Harborough Building Society | 2yr BBR + 2.25% Offset LTV 80% Direct | 2.75 | na | 645 | 80 | |
Table list products with an initial tracker term less than or equal to 2 years suitable for purchasing properties (not remortgages), and with no tie-in period after rate change. Sorted by increasing initial rate payable.
2 year remortgage
| Provider | Product | Rate on which initial payments are based | Calculation applied to Early Redemption Charge | Fees payable on application or completion (based on £150k if %) | Maximum LTV for remortgage, house purchase or first time buyer | Apply |
|---|---|---|---|---|---|---|
| First Direct | 2yr BBR + 1.49% LTV 65% Direct | 1.99 | na | 1499 | 65 | |
| Santander UK plc | 2yr BBR + 1.59% Tracker R/M C/B LTV 60% Direct | 2.09 | 2% + incentives | 1995 | 60 | |
| Chelsea Building Society | 2yr BBR + 1.89% LTV 70% Direct | 2.39 | 2% | 1495 | 70 | |
| NatWest | 2yr BBR + 1.95% LTV 60% Direct | 2.45 | 3% | 999 | 60 | |
| Royal Bank of Scotland | 2yr BBR + 1.95% Tracker LTV 60% | 2.45 | 3% | 999 | 60 | |
| Yorkshire Building Society | 2yr BBR + 1.99% Tracker LTV 75% Direct | 2.49 | 2% | 995 | 75 | |
| Barnsley | 2yr BBR + 2.04% Tracker Direct LTV 75% | 2.54 | 2% | 375 | 75 | |
| Coventry Building Society | 2yr BBR + 2.09% Tracker Offset LTV 65% | 2.59 | 4% | 999 | 65 | |
| Vernon | 2yr BBR + 2.10% Tracker LTV 70% | 2.6 | 3% | 499 | 70 | |
| Market Harborough Building Society | 2yr BBR + 2.25% Offset LTV 80% Direct | 2.75 | na | 645 | 80 | |
Table list products with an initial tracker term less than or equal to 2 years suitable for remortgaging properties (not purchases), and with no tie-in period after rate change. Sorted by increasing initial rate payable.
5 year purchase
| Provider | Product | Rate on which initial payments are based | Calculation applied to Early Redemption Charge | Fees payable on application or completion (based on £150k if %) | Maximum LTV for remortgage, house purchase or first time buyer | Apply |
|---|---|---|---|---|---|---|
| Cumberland | 5yr BBR + 2.35% Tracker H/P LTV 75% | 2.85 | 3% | 0 | 75 | |
| Skipton Building Society | Flex 5yr BBR + 2.99% LTV 80% | 3.49 | 5/4/3/2/1% | 995 | 80 | |
Table list products with an initial tracker term less than or equal to 5 years suitable for purchasing properties (not remortgages), and with no tie-in period after rate change. Sorted by increasing initial rate payable.
5 year remortgage
| Provider | Product | Rate on which initial payments are based | Calculation applied to Early Redemption Charge | Fees payable on application or completion (based on £150k if %) | Maximum LTV for remortgage, house purchase or first time buyer | Apply |
|---|---|---|---|---|---|---|
| Cumberland | 5yr BBR + 2.35% Tracker R/M LTV 75% | 2.85 | 3% | 0 | 75 | |
| Skipton Building Society | Flex 5yr BBR + 2.99% LTV 80% | 3.49 | 5/4/3/2/1% | 995 | 80 | |
Table list products with an initial tracker term less than or equal to 5 years suitable for remortgaging properties (not for purchases), and with no tie-in period after rate change. Sorted by increasing initial rate payable.
