Best 2-year tracker rates for home movers.
Tracks the Bank of England base rate, typically with no early repayment charge. The best 2-year tracker deals for home movers, re-ranked every night.
| Lender | Initial rate | Monthly | Tracks until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 N Nationwide BSBest rate | 4.12% | £1,336on £250,000 | 2 yrs | 6.49% | £999Free valuation | See full deal → |
| 2 L Leeds BS | 4.16% | £1,342on £250,000 | Sept 2028 | 7.74% | £999Free legalsFree valuation | See full deal → |
| 3 S Santander UK | 4.19% | £1,346on £250,000 | 2 yrs | 6.50% | £999Free valuation | See full deal → |
| 4 N Nationwide BS | 4.64% | £1,410on £250,000 | 2 yrs | 6.49% | NoneFree valuation | See full deal → |
| 5 N NatWest Group | 4.75% | £1,425on £250,000 | 2 yrs | 6.74% | NoneFree valuation | See full deal → |
Monthly payments illustrated on a £250,000 repayment mortgage over 25 years; fees not added to the loan. Rates shown are for comparison — full lender criteria apply.
A tracker’s defining feature for a home mover is not just the rate — it’s the absence of an early repayment charge on most products. For movers in uncertain chains, that matters directly: if your purchase collapses after you’ve drawn down the mortgage on a sale, an ERC-free tracker lets you exit without penalty. It also means that if rate expectations shift materially before you complete, you’re not locked into a rate you applied for several months earlier. The trade-off is that your monthly payment moves with the Bank of England base rate — so it can rise as well as fall.
Home movers tend to have equity working in their favour on LTV, which means the tracker pricing available to them is often among the most competitive in the 2-year market. Most trackers are quoted as base rate plus a fixed margin — base + 0.5%, for example — and that margin is locked for the deal’s lifetime even as the rate itself floats. Check the collar (a floor below which the rate cannot fall even if base does) and the reversionary rate at the end of the 2-year term; both are in the product details behind each deal in the table.
We ingest the data ourselves
Most comparison tables license the same third-party panel. We build ours directly from lender product data, run through our own quality-assurance pipeline — so we sometimes list deals other sites miss.
Refreshed every night
Every product, every lender, re-ranked nightly. No manually maintained best-buy lists, no stale screenshots of last week's market.
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Frequently asked questions
How these tables work, and how to choose between the deals on them.