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New tracker for people looking to find a mortgage

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Mortgage provider smile is offering a new tracker mortgage .

The rate of the mortgage will be set at 3.99 per cent for the first year and will then track the Bank of England base rate, plus 0.75 per cent.

smile believes that the offer will benefit first-time buyers, or homeowners who wish to switch and are trying to find a mortgage.

David Newman, director of marketing at smile, commented on the new mortgage.

With recent market increases to fixed rate mortgage products, tracker products are in strong demand and we are confident that this new product has everything borrowers could possibly be looking for � whether buying for the first time, moving house, or simply moving their mortgage.

Internet bank smile has also offered to make an annual donation to Climate Care, a charity designed to combat global warming, for the duration of the mortgage.

The interest rate in the UK is currently at 4.5 per cent and the Organisation for Economic Cooperation and Development has urged the Bank of England not to change it, which would also keep mortgage rates for tracker mortgages stable.

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