2 Year Tracker Mortgages

We have 171 2-year trackers on our database from 8 lenders. With rates being quite unpredictable, our database shows what is currently available and the fees that accompany them. Still offering the lowest rates across most products, our list of rates shows that HSBC’s First Time Buyer Tracker Standard starts at 3.84% with a £999 product fee, whilst Barclays is offering 3.74% for their Existing Customers Reward Tracker with a £999 product fee

2 Year Tracker Mortgages

We have 171 2-year trackers on our database from 8 lenders. With rates being quite unpredictable, our database shows what is currently available and the fees that accompany them. Still offering the lowest rates across most products, our list of rates shows that HSBC’s First Time Buyer Tracker Standard starts at 3.84% with a £999 product fee, whilst Barclays is offering 3.74% for their Existing Customers Reward Tracker with a £999 product fee.

Check back weekly or favourite this page to keep an eye on the ever-changing rates. The table below is updated as of January 23, 2023 and rates are subject to change. 

2 Year Tracker Mortgages

COMPANY TYPE TERM INITIAL RATE THE OVERALL COST FOR COMPARISON IS PRODUCT FEE LOAN TO VALUE (LTV)
BARCLAYS 2 year Offset Tracker at BEBR + 1.22% for 2 years Residential Purchase Offset 2 years 4.72% 6.8 APRC £1749.00 75%
BARCLAYS 2 year Tracker at BEBR + 0.14% for 2 years Premium Exclusive Rate 2 years 3.64% 6.6 APRC £999.00 60%
BARCLAYS 2 year Tracker at BEBR + 0.26% for 2 years Premium Exclusive Rate 2 years 3.76% 6.6 APRC £999.00 60%
BARCLAYS 2 year Tracker at BEBR + 0.36% for 2 years Premium Exclusive Rate 2 years 3.86% 6.6 APRC £999.00 75%
BARCLAYS 2 year Tracker at BEBR + 0.46% for 2 years Premium Exclusive Rate 2 years 3.96% 6.6 APRC £999.00 85%
BARCLAYS 2 year Tracker at BEBR + 1.10% for 2 years Premium Exclusive Rate 2 years 4.60% 6.8 APRC £999.00 90%
BARCLAYS 2 year Tracker at BEBR + 0.50% for 2 years Premium Exclusive Rate 2 years 4.00% 6.6 APRC £0.00 75%
BARCLAYS 2 year Tracker at BEBR + 0.35% for 2 years Premium Exclusive Rate 2 years 3.85% 6.6 APRC £1999.00 60%
BARCLAYS 2 year Tracker at BEBR + 0.60% for 2 years Premium Exclusive Rate 2 years 4.10% 6.6 APRC £1999.00 70%
BARCLAYS 2 year Tracker at BEBR + 0.70% for 2 years Premium Exclusive Rate 2 years 4.20% 6.6 APRC £1999.00 75%
BARCLAYS Residential Remortgage Offset Tracker at BEBR + 1.22% 2 years 4.72% 6.8 APRC £1749.00 75%
BARCLAYS Residential Remortgage Tracker at BEBR + 0.14% Premium Exclusive 2 years 3.64% 6.6 APRC £999.00 60%
BARCLAYS Residential Remortgage Tracker at BEBR + 0.26% Premium Exclusive 2 years 3.74% 6.6 APRC £999.00 60%
BARCLAYS Residential Remortgage Tracker at BEBR + 0.36% Premium Exclusive 2 years 3.86% 6.6 APRC £999.00 75%
BARCLAYS Residential Remortgage Tracker at BEBR + 0.46% Premium Exclusive 2 years 3.96% 6.6 APRC £999.00 85%
BARCLAYS Residential Remortgage Tracker at BEBR + 0.50% Premium Exclusive 2 years 4.00% 6.6 APRC £0.00 75%
BARCLAYS Residential Remortgage Tracker at BEBR + 0.35% Premium Exclusive 2 years 3.85% 6.6 APRC £1999.00 60%
BARCLAYS Residential Remortgage Tracker at BEBR + 0.60% Premium Exclusive 2 years 4.10% 6.6 APRC £1999.00 70%
BARCLAYS Residential Remortgage Tracker at BEBR + 0.70% Premium Exclusive 2 years 4.20% 6.6 APRC £1999.00 75%
BARCLAYS Buy to Let (BTL) Purchase & Remortgage Tracker at BEBR + 2.10% 2 years 5.60% 7.8 APRC £0.00 75%
BARCLAYS Buy to Let (BTL) Purchase Only Tracker at 1.30% (Not available for Portfolio Landlords) 2 years 4.80% 7.7 APRC £1295.00 60%
BARCLAYS Buy to Let (BTL) Purchase Only Tracker at 1.32% (Not available for Portfolio Landlords) 2 years 4.82% 7.7 APRC £1295.00 75%
BARCLAYS Buy to Let (BTL) Remortgage Only Tracker at BEBR + 1.41% (Not available for Portfolio Landlords) 2 years 4.91% 7.7 APRC £1795.00 60%
BARCLAYS Buy to Let (BTL) Remortgage Only Tracker at BEBR + 1.95% (Not available for Portfolio Landlords) 2 years 5.45% 7.7 APRC £0.00 60%
BARCLAYS Buy to Let (BTL) Remortgage Only Tracker at BEBR + 1.42% (Not available for Portfolio Landlords) 2 years 4.92% 7.7 APRC £0.00 75%
BARCLAYS Existing Mortgage Customers Reward Tracker 2 years 3.64% 6.5 APRC £999.00 60%
BARCLAYS Existing Mortgage Customers Reward Tracker 2 years 3.99% 6.5 APRC £0.00 60%
BARCLAYS Existing Mortgage Customers Reward Tracker 2 years 3.86% 6.5 APRC £999.00 75%
BARCLAYS Existing Mortgage Customers Reward Tracker 2 years 4.00% 6.5 APRC £0.00 75%
BARCLAYS Existing Mortgage Customers Reward Tracker 2 years 4.36% 6.6 APRC £99.00 80%
BARCLAYS Existing Mortgage Customers Reward Tracker 2 years 3.96% 6.6 APRC £999.00 90%
BARCLAYS Existing Mortgage Customers Reward Tracker 2 years 4.70% 6.6 APRC £0.00 90%
BARCLAYS Existing Mortgage Customers Reward Offset Tracker 2 years 4.72% 6.8 APRC £1749.00 80%
BARCLAYS Existing Mortgage Customers Reward Offset Tracker 2 years 5.50% 6.9 APRC £499.00 80%
BARCLAYS Existing Mortgage Customers Reward Tracker 2 years 3.85% 6.4 APRC £1999.00 70%
BARCLAYS Existing Mortgage Customers Reward Offset Tracker 2 years 5.40% 6.8 APRC £1999.00 70%
BARCLAYS Existing Mortgage Customers Reward Buy-to-Let Tracker 2 years 4.84% 7.7 APRC £1795.00 65%
BARCLAYS Existing Mortgage Customers Reward Buy-to-Let Tracker 2 years 4.92% 7.7 APRC £1795.00 75%
BARCLAYS Existing Mortgage Customers Reward Buy-to-Let Tracker 2 years 5.45% 7.6 APRC £0.00 75%
BARCLAYS Existing Mortgage Customers Reward Buy-to-Let Tracker 2 years 6.14% 7.8 APRC £299.00 75%
BARCLAYS Existing Mortgage Customers Reward Buy-to-Let Tracker 2 years 5.05% 7.5 APRC £1795.00 60%
Coventry BS First Time Buyer Bank Base Rate Flexx Tracker +0.58% 2 years 4.08% 6.0 APRC £999.00 65%
Coventry BS First Time Buyer Bank Base Rate Flexx Tracker +0.73% 2 years 4.23% 6.1 APRC £999.00 75%
Coventry BS First Time Buyer Bank Base Rate Flexx Tracker +0.83% 2 years 4.33% 6.1 APRC £999.00 85%
Coventry BS Moving Home Bank Base Rate Flexx Tracker +0.58 2 years 4.08% 6.0 APRC £999.00 65%
Coventry BS Moving Home Bank Base Rate Flexx Tracker +0.73 2 years 4.23% 6.1 APRC £999.00 75%
Coventry BS Moving Home Bank Base Rate Flexx Tracker +0.83 2 years 4.33% 6.1 APRC £999.00 85%
Coventry BS Remortgage Bank Base Rate Flexx Tracker +0.58% 2 years 4.08% 6.0 APRC £999.00 65%
Coventry BS Remortgage Bank Base Rate Flexx Tracker +0.73% 2 years 4.23% 6.1 APRC £999.00 75%
Coventry BS Remortgage Bank Base Rate Flexx Tracker +0.83% 2 years 4.33% 6.1 APRC £999.00 85%
Coventry BS Existing Members Bank Base Rate Flexx Tracker +0.58% 2 years 4.08% 6.0 APRC £999.00 65%
Coventry BS Existing Members Bank Base Rate Flexx Tracker +0.73% 2 years 4.23% 6.1 APRC £999.00 75%
Coventry BS Existing Members Bank Base Rate Flexx Tracker +0.83% 2 years 4.33% 6.1 APRC £999.00 85%
HSBC First Time Buyer Tracker Standard 2 years 3.84% 6.1 APRC £999.00 60%
HSBC First Time Buyer Tracker Standard 2 years 3.99% 6.1 APRC £999.00 70%
HSBC First Time Buyer Tracker Standard 2 years 3.99% 6.1 APRC £999.00 75%
HSBC First Time Buyer Tracker Standard 2 years 4.24% 6.2 APRC £999.00 80%
HSBC First Time Buyer Tracker Standard 2 years 4.29% 6.2 APRC £999.00 85%
HSBC First Time Buyer Tracker Standard 2 years 4.55% 6.2 APRC £999.00 90%
HSBC Remortgage Tracker Standard 2 years 3.84% 6.1 APRC £999.00 60%
HSBC Remortgage Tracker Standard 2 years 3.99% 6.1 APRC £999.00 70%
HSBC Remortgage Tracker Standard 2 years 3.99% 6.1 APRC £999.00 75%
HSBC Remortgage Tracker Standard 2 years 4.24% 6.1 APRC £999.00 80%
HSBC Remortgage Tracker Standard 2 years 4.24% 6.2 APRC £999.00 85%
HSBC Remortgage Tracker Standard 2 years 4.79% 6.2 APRC £999.00 90%
HSBC Buy-to-Let Purchase Tracker Fee Saver 2 years 5.04% 5.9 APRC £0.00 60%
HSBC Buy-to-Let Purchase Tracker Standard 2 years 4.54% 6.0 APRC £1999.00 60%
HSBC Buy-to-Let Remortgage Tracker Fee Saver 2 years 5.04% 5.9 APRC £0.00 60%
HSBC Buy-to-Let Remortgage Tracker Standard 2 years 4.54% 6.0 APRC £1999.00 60%
HSBC Buy-to-Let Purchase Tracker Fee Saver 2 years 5.14% 5.9 APRC £0.00 65%
HSBC Buy-to-Let Purchase Tracker Standard 2 years 4.64% 6.0 APRC £1999.00 65%
HSBC Buy-to-Let Remortgage Tracker Fee Saver 2 years 5.14% 5.9 APRC £0.00 65%
HSBC Buy-to-Let Remortgage Tracker Standard 2 years 4.64% 6.0 APRC £1999.00 65%
HSBC Buy-to-Let Purchase Tracker Fee Saver 2 years 5.14% 5.9 APRC £0.00 75%
HSBC Buy-to-Let Purchase Tracker Standard 2 years 4.64% 6.0 APRC £1999.00 75%
HSBC Buy-to-Let Remortgage Tracker Fee Saver 2 years 5.14% 5.9 APRC £0.00 75%
HSBC Buy-to-Let Remortgage Tracker Standard 2 years 4.64% 6.0 APRC £1999.00 75%
HSBC Moving Home Tracker Standard 2 years 3.84% 6.1 APRC £999.00 60%
HSBC Moving Home Tracker Standard 2 years 3.99% 6.1 APRC £999.00 70%
HSBC Moving Home Tracker Standard 2 years 3.99% 6.1 APRC £999.00 75%
HSBC Moving Home Tracker Standard 2 years 4.24% 6.1 APRC £999.00 80%
HSBC Moving Home Tracker Standard 2 years 4.29% 6.2 APRC £999.00 85%
HSBC Moving Home Tracker Standard 2 years 4.55% 6.2 APRC £999.00 90%
HSBC Existing Customer (Switch to New Rate) Tracker Standard 2 years 3.79% 6.2 APRC £999.00 60%
HSBC Existing Customer (Switch to New Rate) Tracker Fee Saver 2 years 4.39% 6.1 APRC £0.00 60%
HSBC Existing Customer (Switch to New Rate) Tracker Fee Saver Buy to Let 2 years 4.59% 5.8 APRC £0.00 60%
HSBC Existing Customer (Switch to New Rate) Tracker Standard Buy to Let 2 years 3.99% 6.2 APRC £1999.00 60%
HSBC Existing Customer (Switch to New Rate) Tracker Standard Buy to Let 2 years 4.04% 6.2 APRC £1999.00 65%
HSBC Existing Customer (Switch to New Rate) Tracker Fee Saver Buy to Let 2 years 4.59% 5.8 APRC £0.00 65%
HSBC Existing Customer (Switch to New Rate) Tracker Standard 2 years 3.94% 6.3 APRC £999.00 70%
HSBC Existing Customer (Switch to New Rate) Tracker Fee Saver 2 years 4.49% 6.1 APRC £0.00 70%
HSBC Existing Customer (Switch to New Rate) Tracker Standard 2 years 3.94% 6.3 APRC £999.00 75%
HSBC Existing Customer (Switch to New Rate) Tracker Fee Saver 2 years 4.49% 6.1 APRC £0.00 75%
HSBC Existing Customer (Switch to New Rate) Tracker Fee Saver Buy to Let 2 years 4.69% 5.8 APRC £0.00 75%
HSBC Existing Customer (Switch to New Rate) Tracker Standard Buy to Let 2 years 4.14% 6.2 APRC £1999.00 75%
HSBC Existing Customer (Switch to New Rate) Tracker Standard 2 years 4.19% 6.3 APRC £999.00 80%
HSBC Existing Customer (Switch to New Rate) Tracker Fee Saver 2 years 4.69% 6.2 APRC £0.00 80%
HSBC Existing Customer (Switch to New Rate) Tracker Standard 2 years 4.24% 6.3 APRC £999.00 85%
HSBC Existing Customer (Switch to New Rate) Tracker Fee Saver 2 years 4.74% 6.2 APRC £0.00 85%
HSBC Existing Customer (Switch to New Rate) Tracker Standard 2 years 4.29% 6.3 APRC £999.00 90%
HSBC Existing Customer (Switch to New Rate) Tracker Fee Saver 2 years 4.84% 6.2 APRC £0.00 90%
NATIONWIDE BS Buy to Let Remortgage Tracker 2 years 3.59% 7.49% 3% of loan 65%
NATIONWIDE BS Buy to Let Purchase Remortgage Tracker 2 years 3.74% 7.49% 3% of loan 65%
NATIONWIDE BS Buy to Let Purchase Remortgage Tracker 2 years 4.19% 7.49% £1495.00 65%
NATIONWIDE BS Buy to Let Remortgage Tracker 2 years 4.39% 7.49% £1495.00 65%
NATIONWIDE BS Buy to Let Purchase Remortgage Tracker 2 years 4.39% 7.49% £1495.00 65%
NATIONWIDE BS Buy to Let Purchase Remortgage Tracker 2 years 4.59% 7.49% £0.00 65%
NATIONWIDE BS Buy to Let Purchase Remortgage Tracker 2 years 4.79% 7.49% £0.00 65%
NATIONWIDE BS Buy to Let Remortgage Tracker 2 years 4.79% 7.49% £0.00 65%
NATIONWIDE BS Buy to Let Remortgage Tracker 2 years 3.69% 7.99% 3% of loan 75%
NATIONWIDE BS Buy to Let Purchase Remortgage Tracker 2 years 3.84% 7.99% 3% of loan 75%
NATIONWIDE BS Buy to Let Purchase Remortgage Tracker 2 years 4.29% 7.99% £1495.00 75%
NATIONWIDE BS Buy to Let Purchase Remortgage Tracker 2 years 4.49% 7.99% £1495.00 75%
NATIONWIDE BS Buy to Let Remortgage Tracker 2 years 4.49% 7.99% £1495.00 75%
NATIONWIDE BS Buy to Let Purchase Remortgage Tracker 2 years 4.69% 7.99% £0.00 75%
NATIONWIDE BS Buy to Let Purchase Remortgage Tracker 2 years 4.89% 7.99% £0.00 75%
NATIONWIDE BS Buy to Let Remortgage Tracker 2 years 4.89% 7.99% £0.00 75%
NATIONWIDE BS Buy to Let Purchase Remortgage Further Advance Limited Company Tracker 2 years 3.99% 7.99% 3% of loan 75%
NATIONWIDE BS Buy to Let Remortgage Limited Company Tracker 2 years 4.29% 7.99% 3% of loan 75%
NATIONWIDE BS First Time Buyer Tracker 2 years 4.09% 6.7 APRC £999.00 75%
NATIONWIDE BS First Time Buyer Tracker 2 years 4.94% 6.8 APRC £0.00 75%
NATIONWIDE BS Remortgage Tracker 2 years 3.99% 6.6 APRC £999.00 75%
NATIONWIDE BS Remortgage Tracker 2 years 4.89% 6.8 APRC £0.00 75%
NATIONWIDE BS Moving Home Tracker 2 years 3.94% 6.6 APRC £999.00 75%
NATIONWIDE BS Moving Home Tracker 2 years 4.84% 6.8 APRC £0.00 75%
NATWEST BANK PLC First Time Buyer Tracker 2 years 4.04% 6.74% £995.00 75%
NATWEST BANK PLC First Time Buyer Tracker 2 years 4.29% 6.74% £995.00 80%
NATWEST BANK PLC First Time Buyer Tracker 2 years 4.79% 6.74% £0.00 75%
NATWEST BANK PLC First Time Buyer Tracker 2 years 4.79% 6.74% £0.00 80%
NATWEST BANK PLC Moving Home Tracker 2 years 4.04% 6.74% £995.00 75%
NATWEST BANK PLC Moving Home Tracker 2 years 4.29% 6.74% £995.00 80%
NATWEST BANK PLC Moving Home Tracker 2 years 4.79% 6.74% £0.00 75%
NATWEST BANK PLC Moving Home Tracker 2 years 4.79% 6.74% £0.00 80%
NATWEST BANK PLC Remortgage Tracker 2 years 4.04% 6.74% £995.00 75%
NATWEST BANK PLC Remortgage Tracker 2 years 4.29% 6.74% £995.00 80%
NATWEST BANK PLC Remortgage Tracker 2 years 4.79% 6.74% £0.00 75%
NATWEST BANK PLC Remortgage Tracker 2 years 4.79% 6.74% £0.00 80%
Santander UK PLC. First Time Buyer Tracker 2 years 4.09% 6.5 APRC £999.00 75%
Santander UK PLC. First Time Buyer Tracker 2 years 5.04% 6.6 APRC £0.00 90%
Santander UK PLC. Remortgage Tracker 2 years 4.09% 6.5 APRC £999.00 75%
Santander UK PLC. Moving Home Tracker 2 years 4.09% 6.5 APRC £999.00 75%
Santander UK PLC. Moving Home Tracker 2 years 5.04% 6.6 APRC £0.00 90%
TSB First Time Buyer Tracker Rate 2 years 4.19% 5.9 APRC £995.00 60%
TSB First Time Buyer Tracker Rate 2 years 4.24% 5.9 APRC £995.00 60% to 75%
TSB First Time Buyer Tracker Rate 2 years 4.49% 5.9 APRC £995.00 75% to 80%
TSB First Time Buyer Tracker Rate 2 years 4.49% 5.9 APRC £995.00 80% to 85%
TSB Remortgage Tracker Rate 2 years 4.19% 6.7 APRC £995.00 60%
TSB Remortgage Tracker Rate 2 years 4.24% 6.7 APRC £995.00 60% to 75%
TSB Remortgage Tracker Rate 2 years 4.49% 6.7 APRC £995.00 75% to 80%
TSB Remortgage Tracker Rate 2 years 4.49% 6.7 APRC £995.00 80% to 85%
TSB Moving Home Tracker Rate 2 years 4.19% 5.9 APRC £995.00 60%
TSB Moving Home Tracker Rate 2 years 4.24% 5.9 APRC £995.00 60% to 75%
TSB Moving Home Tracker Rate 2 years 4.49% 5.9 APRC £995.00 75% to 80%
TSB Moving Home Tracker Rate 2 years 4.49% 5.9 APRC £995.00 80% to 85%
TSB Existing Customers Tracker 2 years 4.19% 6.7 APRC £995.00 60%
TSB Existing Customers Tracker 2 years 4.24% 6.7 APRC £995.00 60%-75%
TSB Existing Customers Tracker 2 years 4.49% 6.8 APRC £995.00 75%-80%
TSB Existing Customers Tracker 2 years 4.49% 6.8 APRC £995.00 80%-85%
TSB Existing Customers Tracker 2 years 5.49% 7.0 APRC £995.00 85%-90%
TSB Buy to Let Existing Customers Tracker Rate 2 years 5.09% 7.6 APRC £995.00 60%
TSB Buy to Let Existing Customers Tracker Rate 2 years 5.19% 7.6 APRC £995.00 60%-75%
TSB Buy to Let 2 years Tracker (For Buy to Let House Purchases Only) 2 years 5.39% 7.2 APRC £995.00 60%
TSB Buy to Let 2 years Tracker (For Remortgaging Only) 2 years 5.39% 7.2 APRC £995.00 60%
TSB Buy to Let 2 years Tracker (For Buy to Let House Purchases Only) 2 years 5.54% 7.2 APRC £995.00 60%-70%
TSB Buy to Let 2 years Tracker (For Remortgaging Only) 2 years 5.54% 7.2 APRC £995.00 60%-70%
Virgin Money First Time Buyer Everyday Freedom to Fix Tracker 2 years 4.37% 6.8 APRC £995.00  
Virgin Money Moving Home Everyday Freedom to Fix Tracker 2 years 4.37% 6.8 APRC £995.00  
Virgin Money Remortgage Everyday Freedom to Fix Tracker 2 years 4.37% 6.8 APRC £995.00  
Virgin Money Purchase a Buy-to-Let Property
Everyday Tracker Cashback
2 years 4.60% 7.4 APRC £995.00  
Virgin Money Remortgage Buy-to-Let Everyday Tracker 2 years 4.60% 7.3 APRC £995.00  
Virgin Money Remortgage Buy-to-Let Everyday Tracker Cashback 2 years 4.60% 7.3 APRC £995.00  
Yorkshire BS First Time Buyer Tracker 2 years 3.69% 5.61 APRC £995.00 75%
Yorkshire BS First Time Buyer Tracker 2 years 3.89% 5.68 APRC £0.00 75%
Yorkshire BS Remortgage Tracker 2 years 3.69% 5.30 APRC £995.00 75%
Yorkshire BS Remortgage Tracker 2 years 3.89% 5.43 APRC £0.00 75%
Yorkshire BS Moving Home Tracker 2 years 3.69% 5.61 APRC £995.00 75%
Yorkshire BS Moving Home Tracker 2 years 3.89% 5.68 APRC £0.00 75%