Your monthly payment fluctuates in line with a rate that's equal to, higher, or lower than a chosen Base Rate (usually the Bank of England Base Rate).

The rate charged on the mortgage 'tracks' that rate, usually for a set period of two to three years.
You may have to pay a penalty to leave your lender, especially during the
tracker deal period. You may also have to pay an early repayment charge if you pay back extra amounts during the tracker period.

A tracker may suit you if you can afford to pay more when interest rates go up, in exchange for benefiting when they go down.
It's not a good choice if your budget won't stretch to higher monthly payments.

There may be a fee for mortgage advice.  Charging of such a fee will depend upon your circumstances but if we charge a fee it will be a maximum of£500 or 1% of the loan amount whichever is greater. Typically this will be £299

Your home may be repossessed if you do not keep up repayments on your mortgage.