Tracker Mortgages

Tracker Mortgage Advice – Follow the Market with Confidence

If you’re looking for a mortgage that moves in line with the Bank of England’s base rate, a tracker mortgage could be the right choice. At Sunnybank Financial Solutions, we help buyers and homeowners across the UK access competitive tracker mortgage deals that adapt to the market.

Whether you’re a first-time buyer, moving home, or remortgaging, we’ll guide you through the process and find the deal that best suits your needs.

Why Choose Sunnybank Financial Solutions?

• Experienced UK mortgage advisors with in-depth knowledge of tracker mortgages

• Whole-of-market access to a wide range of lenders

• Personalised advice tailored to your circumstances

• Step-by-step support with applications and approvals

• Clear, transparent guidance to help you understand how rate changes may affect you

What is a Tracker Mortgage?

A tracker mortgage is a type of variable rate mortgage where the interest rate you pay is directly linked to the Bank of England’s base rate, plus a fixed percentage set by your lender.

For example, if the base rate is 5% and your lender’s margin is 1%, you’ll pay 6%. If the base rate rises or falls, your repayments will move up or down accordingly.

Benefits of a Tracker Mortgage

• Lower initial rates compared to some fixed-rate deals

• Directly follows the Bank of England’s base rate (not lender’s SVR)

• Flexible repayment features often available (e.g., overpayments)

• Can offer savings when interest rates fall

Types of Tracker Mortgages We Can Help With

1. First-Time Buyer Tracker Mortgages – affordable entry-level products linked to the base rate

2. Home Mover Mortgages – tailored tracker deals for your next home purchase

3. Remortgages – switch to a tracker mortgage when your fixed or discount term ends

4. Long-Term Tracker Mortgages – for those who prefer to stay tied to the base rate over an extended period

Am I Eligible for a Tracker Mortgage?

You may be eligible if:

• You are a UK resident aged 18 or over

• You have proof of income to support repayments

• You have a deposit (or equity) that meets the lender’s requirements

• You have a good credit record (though some lenders are flexible)

We work with a wide range of lenders, so even if your situation is less straightforward, we’ll aim to find the right product for you.

Compare the Best Tracker Mortgage Deals

At Sunnybank Financial Solutions, we compare hundreds of tracker mortgages across the market. Whether you want the lowest possible rate, flexibility with repayments, or reduced fees, we’ll match you with the deal that works best for your circumstances.

Why Homeowners Trust Us

We know that rate changes can be daunting, which is why we provide honest, straightforward advice and clear explanations. Our goal is to help you make informed decisions today and in the future.

Get Started Today – Free Initial Consultation

Want to explore if a tracker mortgage is right for you?

Contact us below to get started.