Nationwide Building Society 2 Year Base Rate Tracker
- Monthly payment
- Where this comes fromMethodThe repayment on £121,495 at 5.19% over 30 years, shown to the pound.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.19% (tracker, 2 years)As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
- Initial rate
- Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured5.19% tracker for 2 yearsAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
- APRC
- Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal. Nationwide Building Society’s own APRC for its example is 6.60%.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.19% (tracker, 2 years); then 6.74%, the lender’s variable rate today; Arrangement fee £0; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
- Cost over 2 years
- Where this comes fromMethod24 monthly payments, plus the stated fees, less the £500 cashback: what the initial period costs in all.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.19% (tracker, 2 years); then 6.74%, the lender’s variable rate today; Arrangement fee £0; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
- Rate after the deal ends
- Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured6.74%, the lender’s variable rate todayAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
- Tracks
- Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedBank Rate + 1.19%As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
- Monthly payment after the deal
- Where this comes fromMethodWhat is still owed after 2 years, repaid over the rest of the term at the lender’s variable rate today (6.74%); that rate can change.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.19% (tracker, 2 years); then 6.74%, the lender’s variable rate todayAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
- Fees
- Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee, valuation fee, chaps fee.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedArrangement fee £0; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.Arrangement fee £0
- Early repayment charges
- Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedNone: repay early or switch without a chargeAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
- Overpayments
- Unlimited, with no early repayment charge
- Product name
- 2 Year Base Rate Tracker
For your case: A repayment mortgage of £121,495 over 30 years, APRC 6.66%. Total amount payable over the full term £278,557, including fees of £0 (the fees the lender states). Repayments: 24 months of £666 at 5.19% (tracker), then 336 months of £781 at 6.74% (variable). Rates as Nationwide Building Society published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
