‘Tracker mortgages are back’ – but is one the right choice for you?
Tracker mortgages are gaining popularity as interest rates remain uncertain due to the ongoing Iran war. While fixed-rate deals have traditionally been favored for their stability, current market conditions have made trackers more appealing for some borrowers. Individuals must weigh their financial situation and risk tolerance when considering whether a tracker mortgage is the right choice for them.
- ▪Tracker mortgages are becoming popular again amid uncertain interest rates.
- ▪The number of applications for tracker mortgages tripled in April compared to March.
- ▪Currently, the cheapest two-year trackers are around 3.96%, while fixed rates are about 4.55%.
- ▪Borrowers need to consider their financial cushion and ability to handle potential rate increases when choosing a tracker mortgage.
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| Original publisher | The Guardian — UK |
| Canonical URL | https://www.theguardian.com/money/2026/may/23/tracker-mortgages-interest-rate-deal-loan |
| Publication time | Sat, 23 May 2026 06:00:20 GMT |
| Retrieval time | 2026-05-23T06:22:24.949Z |
| Last seen | 2026-05-23T06:22:24.949Z |
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| Summary source text | contentText |
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| Publisher visit | Yes — open original |
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At current rates, trackers look much cheaper than fixed deals (if interest rates do not rise) Photograph: iWebbtravel/AlamyView image in fullscreenAt current rates, trackers look much cheaper than fixed deals (if interest rates do not rise) Photograph: iWebbtravel/AlamyMortgages‘Tracker mortgages are back’ – but is one the right choice for you?The uncertain interest rate outlook is making tracker deals popular again. We look at the pros and cons of both types of loanRupert JonesSat 23 May 2026 02.00 EDTSharePrefer the Guardian on GoogleWith some experts warning that we may have to brace ourselves for interest rate rises later this year, it might seem odd to suggest considering a tracker mortgage.But, amid the economic chaos caused by the Iran war, for some people looking for a home loan…
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