Tracker Mortgages from ING Direct
Tracker Rate mortgages
Tracker mortgages follow the Bank of England base rate at a set level so every time the Bank of England base rate changes your interest rate and monthly repayments will change too. To view the latest Bank of England Base Rate, please click here
We will not charge you for everyday administration.
Plus if you are remortgaging there are no fees to pay for the property valuation or the standard conveyancing process (you must use our specialist conveyancers).
These are limited offers and they can be withdrawn at any time, and are for loans between £50,000 and £2,000,000.
For products with an 80% LTV loans are available between £50,000 and £500,000.
For loans above £500,000 the maximum LTV is 70%
2 year tracker mortgages:
| Initial rate currently |
Reverting to our standard variable rate, currently |
The overall cost for comparison is |
Loan to value (LTV) |
Product fee (non refundable) |
Additional information | |||||
| 3.09% (variable) Tracks at 2.59% above BoE base rate for 24 months | 3.5% | 3.6% APR | Up to 60% | £945 (includes a £195 booking fee payable on application) | An Early Repayment Charge applies | |||||
| 3.29% (variable) Tracks at 2.79% above BoE base rate for 24 months | 3.5% | 3.6% APR | Up to 80% | £945 (includes a £195 booking fee payable on application) | An Early Repayment Charge applies |
These features apply to all of our 2 year tracker mortgage products:
Early Repayment Charge: 1.3% in the first 12 months, then 0.8% in the final 12 months
Capital Repayments: Up to 10% of the loan in a 12 month period without penalties
Overpayments: None
Lifetime tracker mortgages:
| Tracker rate | The overall cost for comparison is |
Loan to value (LTV) |
Product fee (non refundable) |
Additional information | ||||
| 3.44% (variable) Tracks at 2.94% above BoE base rate for the term of the mortgage | 3.6% APR | Up to 60% | £945 (includes a £195 booking fee payable on application) | No Early Repayment Charge applies | ||||
| 3.74% (variable) Tracks at 3.24% above BoE base rate for the term of the mortgage | 3.9% APR | Up to 75% | £945 (includes a £195 booking fee payable on application) | No Early Repayment Charge applies | ||||
| 3.84% (variable) Tracks at 3.34% above BoE base rate for the term of the mortgage | 4% APR | Up to 80% | £945 (includes a £195 booking fee payable on application) | No Early Repayment Charge applies |
These features apply to all of our lifetime tracker mortgage products:
Early Repayment Charge: No early repayment charges apply
Capital Repayments: Unlimited
Overpayments: Unlimited
2 year tracker mortgages:
| Initial rate currently |
Reverting to our standard variable rate, currently |
The overall cost for comparison is |
Loan to value (LTV) |
Product fee (non refundable) |
Additional information | |||||
| 3.09% (variable) Tracks at 2.59% above BoE base rate for 24 months | 3.5% | 3.6% APR | Up to 60% | £945 (includes a £195 booking fee payable on application) | An Early Repayment Charge applies | |||||
| 3.29% (variable) Tracks at 2.79% above BoE base rate for 24 months | 3.5% | 3.6% APR | Up to 80% | £945 (includes a £195 booking fee payable on application) | An Early Repayment Charge applies |
These features apply to all of our 2 year tracker mortgage products:
Early Repayment Charge: 1.3% in the first 12 months, then 0.8% in the final 12 months
Capital Repayments: Up to 10% of the loan in a 12 month period without penalties
Overpayments: None
Lifetime tracker mortgages:
| Tracker rate | The overall cost for comparison is |
Loan to value (LTV) |
Product fee (non refundable) |
Additional information | ||||
| 3.44% (variable) Tracks at 2.94% above BoE base rate for the term of the mortgage | 3.6% APR | Up to 60% | £945 (includes a £195 booking fee payable on application) | No Early Repayment Charge applies | ||||
| 3.74% (variable) Tracks at 3.24% above BoE base rate for the term of the mortgage | 3.9% APR | Up to 75% | £945 (includes a £195 booking fee payable on application) | No Early Repayment Charge applies | ||||
| 3.84% (variable) Tracks at 3.34% above BoE base rate for the term of the mortgage | 4% APR | Up to 80% | £945 (includes a £195 booking fee payable on application) | No Early Repayment Charge applies |
These features apply to all of our lifetime tracker mortgage products:
Early Repayment Charge: No early repayment charges apply
Capital Repayments: Unlimited
Overpayments: Unlimited