Best mortgage rates · Residential · July 2026

5-year tracker rates for home movers.

Uncommon in the UK market — typically one lender active at a time. When 5-year tracker home mover deals are live, they appear here, re-ranked nightly.

40+ lender product books Fee & no-fee best buys No signup, no credit check Refreshed nightly

Refreshed nightly — rates as of 13 July 2026

Loan to valueLTV = loan ÷ property value. A £50k deposit on a £250k home is 80% LTV.

No 5-year tracker home mover products cleared our nightly ingest today. This bucket typically has only one active lender at a time, so it empties whenever that lender reprices or withdraws. The closest deals on the market right now appear below, and tonight’s data run will update this page on its own.

Closest alternative: 2-year fixed

Live 2-year fixed best buys at the same filters — see the full 2-year fixed table →

Lender	Initial rate	Monthly	Fixed until	Then	Product fee
1 H HalifaxBest rate	4.27%	£1,357on £250,000	Sept 2028	—	£999	See full deal →
2 L Lloyds Bank	4.27%	£1,357on £250,000	2 yrs	7.24%	£999	See full deal →
3 L Lloyds Bank	4.47%	£1,385on £250,000	2 yrs	7.24%	None	See full deal →

Closest alternative: 3-year fixed

Live 3-year fixed best buys at the same filters — see the full 3-year fixed table →

Lender	Initial rate	Monthly	Fixed until	Then	Product fee
1 L Lloyds BankBest rate	4.37%	£1,371on £250,000	3 yrs	7.24%	£999	See full deal →
2 N Nationwide BS	4.49%	£1,388on £250,000	3 yrs	6.49%	£999Free valuation	See full deal →
3 L Lloyds Bank	4.55%	£1,397on £250,000	Sept 2029	7.24%	None	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.

Five-year tracker mortgages occupy a very small corner of the UK residential market — at any point only one or two lenders typically offers one. The product type is structurally unusual: it gives you five years of base-rate tracking without the certainty of a fix, but with the ERC exposure of a longer fixed term (most 5-year trackers do carry early repayment charges, unlike their 2-year tracker equivalents). For a home mover, that combination is a specific bet: you expect base rate to fall over the period, you want to benefit from each cut automatically, and you plan to stay in the property long enough that the ERC isn’t a practical concern.

The ERC point deserves careful attention. One of the key reasons movers choose trackers is the ERC-free exit — helpful if a chain collapses or plans change. Many 5-year trackers do not offer that advantage. Before comparing on rate, check whether the product in the table carries an ERC for the full 5-year term; if it does, the flexibility case for the tracker evaporates and a 5-year fix at a competitive rate may be the cleaner choice. The product detail behind each deal in the table shows the ERC schedule.

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.

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Frequently asked questions

How these tables work, and how to choose between the deals on them.

01Why are there so few 5-year tracker products?

Funding a 5-year floating-rate product is less straightforward than a 5-year fixed, which can be hedged cleanly against a 5-year swap rate. Trackers are inherently interest-rate sensitive on the lender’s balance sheet, and extending that exposure over five years requires a different funding and risk approach — most lenders don’t offer it. The handful that do tend to price the margin to compensate, so the rate advantage over a 5-year fix is not always as large as you might expect.

02Does a 5-year tracker have an ERC if I want to exit early?

It depends on the specific product — and unlike 2-year trackers, many 5-year trackers do carry ERCs. Check the product detail in the table before you apply. If the product has an ERC for the full 5-year term, you lose the key advantage trackers offer over fixes for movers: the ability to exit without penalty if circumstances change. That makes a 5-year tracker with ERCs a fairly narrow product — right only if you’re confident you’re staying and you expect base rate to fall.

03Is porting available on a 5-year tracker?

Porting on tracker products is less standard than on fixed-rate mortgages. Some lenders do offer it on 5-year trackers; others don’t. If you’re a mover buying a property you may later want to leave — because your family grows, for example — the porting terms matter. Check the product detail on the specific deal; if porting isn’t available and there’s an ERC, a further move within the term would mean paying that charge.

04What kind of home mover is a 5-year tracker suited to?

The clearest case is a mover buying what they expect to be a long-term home, who believes base rate will trend down over the next five years and wants those reductions to feed through automatically rather than waiting until a fixed deal expires. It suits someone with comfortable equity — lower LTV bands — so monthly payments are manageable if rate cuts are slower than expected. It’s probably not right for anyone who values the ability to move or exit without cost mid-term.

5-year tracker rates for home movers.

Closest alternative: 2-year fixed

Closest alternative: 3-year fixed

Other terms for home movers

5-year tracker for other borrowers

We ingest the data ourselves

Refreshed every night

Mortgages only

Frequently asked questions

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