Lifetime Tracker Mortgages

Lifetime Tracker Mortgages

Lifetime Tracker Mortgages - Lifetime tracker mortgages are mortgages which have a tracker rate for the lifetime of the loan (i.e. until it is paid off). Lifetime tracker mortgages track the Bank of England base rate, staying a set value above or below this. As a result, lifetime tracker mortgages can be highly competitive when rates are low but do not offer protection against future rate rises. As a result, it is important to examine the mortgage terms and conditions for early redemption, as it may save money to remortgage if rates rise. 

Lifetime tracker mortgages tend to demand relatively high fees. However, as those on lifetime tracker mortgages are less likely to remortgage – particularly as they may be fees or conditions to stop this. Lifetime tracker mortgage rates tend to reflect the loan to value (LTV) ratio of the product. As a general rule, the lower the LTV ratio, the lower the rate. As a result, it is worth paying a larger deposit if at all possible. In addition, interest will then be payable on a smaller loan. 

Lifetime tracker mortgages can be the ideal mortgage product for borrowers looking to secure rates which stay competitive within the market. However, it is important to obtain the right lifetime tracker mortgage as it may be more difficult to remortgage at a later date.

At Capital Fortune, we have years of experience helping clients to secure the best lifetime tracker mortgages for their individual needs and requirements. We offer holistic advice and will recommend other products if they may be more suitable. 

As a comprehensive panel of lenders mortgage broker, Capital Fortune examines lifetime tracker mortgages from a range of lenders. We put our customers first and offer professional and impartial advice.

Call our mortgage broker team now on 020 3 216 2037 or complete the Mortgage Enquiry Online. As part of our service, we will call you back.  

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Residential - Purchase - Best Lifetime Tracker Rates


LenderInitial
Rate
Mortgage
Type
For/Until Subsequent
Rate
The overall
cost for
comparison is
Early Repayment
Charge
Arrangement
Fee
Loan
to
Value
Details
Nationwide BS 5 Year Tracker £999 Fee Existing Borrowers BiR BNW1.64%Tracker5 years 3.74%3.1%APRC £99960%
Product Code: 000OG4
Product Name: 5 Year Tracker £999 Fee Existing Borrowers BiR
Lender Code: BNW
Lender Name: Nationwide BS
Initial Pay Rate: 1.64
Mortgage Class: Tracker
Initial Rate Period: 5 years
Initial Rate Period Months: 60
Standard Variable Rate: 3.74
Apr Lenders: 3.1
Early Repayment Charge Period Sort Field: 0
Initial Monthly Payment: 492.00
Monthly Payment After Initial Period: 595.99
Fees Total: 1084.00
True Cost: 0.00
True Cost Over Initial Period: 29485.00
Cashback: 100.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 20
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 65.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 150000.00
Legal Fee: 174.75
Lender Product Reference: 121223
Detail
Nationwide BS 5 Year Tracker £999 Fee Existing Borrowers BNW1.64%Tracker5 years 3.74%3%APRC £99960%
Product Code: 000OG7
Product Name: 5 Year Tracker £999 Fee Existing Borrowers
Lender Code: BNW
Lender Name: Nationwide BS
Initial Pay Rate: 1.64
Mortgage Class: Tracker
Initial Rate Period: 5 years
Initial Rate Period Months: 60
Standard Variable Rate: 3.74
Apr Lenders: 3
Early Repayment Charge Period Sort Field: 0
Initial Monthly Payment: 492.00
Monthly Payment After Initial Period: 595.99
Fees Total: 1084.00
True Cost: 0.00
True Cost Over Initial Period: 29485.00
Cashback: 100.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 20
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 65.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 174.75
Lender Product Reference: 120850
Detail
Nationwide BS FTB 5 Year Tracker £999 Fee BNW1.69%Tracker5 years 3.74%3%APRC £99960%
Product Code: 000OFY
Product Name: FTB 5 Year Tracker £999 Fee
Lender Code: BNW
Lender Name: Nationwide BS
Initial Pay Rate: 1.69
Mortgage Class: Tracker
Initial Rate Period: 5 years
Initial Rate Period Months: 60
Standard Variable Rate: 3.74
Apr Lenders: 3
Early Repayment Charge Period Sort Field: 0
Initial Monthly Payment: 494.88
Monthly Payment After Initial Period: 596.64
Fees Total: 1084.00
True Cost: 0.00
True Cost Over Initial Period: 29257.80
Cashback: 500.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 20
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 65.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 174.75
Lender Product Reference: 120846
Detail
Nationwide BS 5 Year Tracker £999 Fee BNW1.69%Tracker5 years 3.74%3%APRC £99960%
Product Code: 000OGA
Product Name: 5 Year Tracker £999 Fee
Lender Code: BNW
Lender Name: Nationwide BS
Initial Pay Rate: 1.69
Mortgage Class: Tracker
Initial Rate Period: 5 years
Initial Rate Period Months: 60
Standard Variable Rate: 3.74
Apr Lenders: 3
Early Repayment Charge Period Sort Field: 0
Initial Monthly Payment: 494.88
Monthly Payment After Initial Period: 596.64
Fees Total: 1084.00
True Cost: 0.00
True Cost Over Initial Period: 29757.80
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 20
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 65.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 174.75
Lender Product Reference: 120848
Detail
Barclays Bank 5 Year Tracker £1999 Fee Purchase No ERC BWO1.74%Tracker5 years 3.74%3.3%APRC £199975%
Product Code: 001RVS
Product Name: 5 Year Tracker £1999 Fee Purchase No ERC
Lender Code: BWO
Lender Name: Barclays Bank
Initial Pay Rate: 1.74
Mortgage Class: Tracker
Initial Rate Period: 5 years
Initial Rate Period Months: 60
Standard Variable Rate: 3.74
Apr Lenders: 3.3
Early Repayment Charge Period Sort Field: 0
Initial Monthly Payment: 501.80
Monthly Payment After Initial Period: 602.13
Fees Total: 2114.00
True Cost: 0.00
True Cost Over Initial Period: 30223.00
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 1999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 75
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 2000000.00
Legal Fee: 126.00
Lender Product Reference: AN87
Detail
Leeds BS 5 Year Tracker No Fee BLH1.74%TrackerJan-20235.44%4.8%APRC31-Jan-2023 £060%
Product Code: 002H5H
Product Name: 5 Year Tracker No Fee
Lender Code: BLH
Lender Name: Leeds BS
Initial Pay Rate: 1.74
Mortgage Class: Tracker
Initial Rate Period: Jan-2023
Initial Rate Period Months: 63
Standard Variable Rate: 5.44
Apr Lenders: 4.8
Early Repayment Charge Applies Until: 31-Jan-2023
Early Repayment Charge Period Sort Field: 1476
Initial Monthly Payment: 493.72
Monthly Payment After Initial Period: 682.16
Fees Total: 234.00
True Cost: 0.00
True Cost Over Initial Period: 31303.36
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 199.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 120.00
Lender Product Reference: 19033
Detail
Metro Bank 5 Year Tracker £999 Fee MET1.84%Tracker5 years 3.75%3.1%APRC5 years £99975%
Product Code: 001BFQ
Product Name: 5 Year Tracker £999 Fee
Lender Code: MET
Lender Name: Metro Bank
Initial Pay Rate: 1.84
Mortgage Class: Tracker
Initial Rate Period: 5 years
Initial Rate Period Months: 60
Standard Variable Rate: 3.75
Apr Lenders: 3.1
Early Repayment Charge Applies Until: 5 years
Early Repayment Charge Period Sort Field: 1470
Initial Monthly Payment: 503.49
Monthly Payment After Initial Period: 599.01
Fees Total: 1284.00
True Cost: 0.00
True Cost Over Initial Period: 30494.40
Cashback: 0.00
Valuation Fee: 200.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 75
Product Type: Residential
Mortgage Discharge Fee: 50.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 2000000.00
Legal Fee: 174.75
Lender Product Reference: R1452
Detail
Barclays Bank 5 Year Tracker £2499 Fee Purchase Wealth Large Loan BWO1.95%Tracker5 years 3.74%3.3%APRC5 years £249960%
Product Code: 0029TO
Product Name: 5 Year Tracker £2499 Fee Purchase Wealth Large Loan
Lender Code: BWO
Lender Name: Barclays Bank
Initial Pay Rate: 1.95
Mortgage Class: Tracker
Initial Rate Period: 5 years
Initial Rate Period Months: 60
Standard Variable Rate: 3.74
Apr Lenders: 3.3
Early Repayment Charge Applies Until: 5 years
Early Repayment Charge Period Sort Field: 1471
Initial Monthly Payment: 516.24
Monthly Payment After Initial Period: 607.33
Fees Total: 2614.00
True Cost: 0.00
True Cost Over Initial Period: 31089.40
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 2499.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 5000000.00
Legal Fee: 126.00
Lender Product Reference: AV50
Detail
Barclays Bank 5 Year Tracker £3499 Fee Purchase Wealth Large Loan BWO2.05%Tracker5 years 3.74%3.3%APRC5 years £349970%
Product Code: 0029TP
Product Name: 5 Year Tracker £3499 Fee Purchase Wealth Large Loan
Lender Code: BWO
Lender Name: Barclays Bank
Initial Pay Rate: 2.05
Mortgage Class: Tracker
Initial Rate Period: 5 years
Initial Rate Period Months: 60
Standard Variable Rate: 3.74
Apr Lenders: 3.3
Early Repayment Charge Applies Until: 5 years
Early Repayment Charge Period Sort Field: 1471
Initial Monthly Payment: 526.47
Monthly Payment After Initial Period: 613.59
Fees Total: 3614.00
True Cost: 0.00
True Cost Over Initial Period: 31703.20
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 3499.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 70
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 5000000.00
Legal Fee: 126.00
Lender Product Reference: AV52
Detail
Buckinghamshire BS 5 Year Tracker £850 Fee BBU2.49%Tracker5 years 4.99%3.7%APRC3 years £100060%
Product Code: 001E5M
Product Name: 5 Year Tracker £850 Fee
Lender Code: BBU
Lender Name: Buckinghamshire BS
Initial Pay Rate: 2.49
Mortgage Class: Tracker
Initial Rate Period: 5 years
Initial Rate Period Months: 60
Standard Variable Rate: 4.99
Apr Lenders: 3.7
Early Repayment Charge Applies Until: 3 years
Early Repayment Charge Period Sort Field: 1441
Initial Monthly Payment: 541.66
Monthly Payment After Initial Period: 674.65
Fees Total: 1310.00
True Cost: 0.00
True Cost Over Initial Period: 32934.60
Cashback: 0.00
Valuation Fee: 185.00
Arrangement Fee: 850.00
Booking Fee: 150.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 100.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 750000.00
Legal Fee: 148.00
Lender Product Reference: T008
Detail

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The mortgage products displayed above are as a result of the following search: Reason for Mortgage: Purchase; Property Valuation: £200000; Mortgage Amount: £120000; Payment Method: Repayment; Mortgage Term: 25 years; Mortgage Product: Tracker Offset: No Product Term Period From: 48 Months; Product Term Period To: 300 Months; . For a more accurate quotation please use our Quick Mortgage Quote facility.

Mortgage product availability is subject to status and availability.

Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions. To confirm details and availability of any product please click the “Do I Qualify” button.