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Tracker mortgages
It’s great having options. A tracker mortgage could be ideal for you if you want a mortgage that moves in line with Barclays Bank Base Rate. So when Barclays Bank Base Rate falls, your monthly repayments fall. If the rate rises, so will your monthly mortgage repayments.
With our tracker mortgages you’ll get:
A variable rate that rises and falls with changes to the Barclays Bank Base Rate (BBBR).
Flexibility. Our lifetime trackers carry no early repayment charges.
The option to borrow up to 90% of the value of your home.
Freedom from application fees on selected products.
The convenience of a portable mortgage, so you can take your mortgage to a new home if you move.
Woolwich offers two main types of tracker:
Lifetime Tracker
Our lifetime trackers track at a set percentage above Barclays Bank Base Rate for the entire term of your mortgage. Offering you flexibility and choice our lifetime trackers have no early repayment charges so you are able to overpay or switch to another fixed Woolwich deal at anytime you choose. A rate switch fee may apply.
Our lifetime trackers track at a set percentage above Barclays Bank Base Rate for the entire term of your mortgage. Offering you flexibility and choice our lifetime trackers have no early repayment charges so you are able to overpay or switch to another fixed Woolwich deal at anytime you choose. A rate switch fee may apply.
2 Year Tracker
Please note that 2-year tracker mortgages are not currently available.
Please note that 2-year tracker mortgages are not currently available.
Looking for a larger mortgage? We’ve developed a range of competitively priced, flexible mortgages for loans over £500,000. Find out more>>
Give us a call if you want to chat about mortgages
Call us on
0800 316 5500*
Or would you prefer us to call you?
Your home may be repossessed if you do not keep up repayments on your mortgage.
Selection of our current tracker mortgages
| Product | Interest rate | The overall cost for comparison is | Application fee | How much can I borrow? | Early repayment charge |
Find out more or apply | |
|---|---|---|---|---|---|---|---|
| Initial | Following on to | ||||||
Lifetime Tracker¹ |
BBBR + 0.74%, currently 5.74%, variable for the remaining term of the mortgage | N/A | 5.9% APR | No Fee | Up to 60% of the value of your home. Minimum loan £50,000 | None | Call 0800 316 5500* for Tracker rate mortgages |
Lifetime Tracker¹ |
BBBR + 0.99%, currently 5.99%, variable for the remaining term of the mortgage | N/A | 6.2% APR | No Fee | Up to 80% of the value of your home. Minimum loan £50,000 | None | Call 0800 316 5500* for Tracker rate mortgages |
Lifetime Tracker¹ |
BBBR + 1.29%, currently 6.29%, variable for the remaining term of the mortgage | N/A | 6.5% APR | No Fee | Up to 90% of the value of your home. Minimum loan £50,000 | None | Call 0800 316 5500* for Tracker rate mortgages |
¹ Only available through Barclays branches or Barclays Direct
BBBR = Barclays Bank Base Rate, which is currently 5.00% (Effective 11 April 2008).
† Where an existing customer switches to a new mortgage rate, a rate switch fee of £100 would also apply.
Please refer to our tariff of charges for full details of fees associated with our mortgages. These should be read in conjunction with our legal information.
