Index tracker mortgages track the Bank of England base rate + or - a certain percentage. For example if you went for a Tracker + 0.25%, and the Bank of England base rate is 5.25%, then the tracker interest rate will be 5.25 + 0.25, that is 5.50%. This follows exactly inline with the Bank of England base rate, and therefore if the Bank of England base rate goes down so will your mortgage rate by exactly the same decrease.

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