Best Buys

Initial Rate	Initial Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	2 Year Total Cost	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
3.84%	£1,167.85	7.49%	£1,495	Fixed	7.0% APRC	25m	25m	£29,523	£477,673	16828	313	1495	TSB Bank
3.89%	£1,174.01	6.99%	£1,025	Fixed	6.5% APRC	27m	27m	£30,806	£457,640	11050	207	1025	NatWest
3.89%	£1,174.01	6.49%	£999	Fixed	6.1% APRC	27m	27m	£31,101	£439,776	14602	344	999	HSBC Intermediary
3.92%	£1,177.72	5.99%	£1,024	Fixed	5.8% APRC	25m	25m	£29,369	£423,533	37323	115	1024	Barclays
3.92%	£1,177.72	6.75%	£999	Fixed	6.4% APRC	26m	26m	£29,489	£450,078	12101	1	999	Santander

Initial Rate	Initial Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	2 Year Total Cost	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
3.84%	£1,167.85	7.49%	£1,495	Fixed	7.0% APRC	25m	25m	£29,523	£477,673	16828	313	1495	TSB Bank
3.89%	£1,174.01	6.49%	£999	Fixed	6.1% APRC	27m	27m	£31,101	£439,776	14602	344	999	HSBC Intermediary
3.89%	£1,174.01	6.99%	£1,025	Fixed	6.5% APRC	27m	27m	£30,806	£457,640	11050	207	1025	NatWest
3.92%	£1,177.72	5.99%	£1,024	Fixed	5.8% APRC	25m	25m	£29,369	£423,533	37323	115	1024	Barclays
3.92%	£1,177.72	6.75%	£999	Fixed	6.4% APRC	26m	26m	£29,489	£450,078	12101	1	999	Santander

Initial Rate	Initial Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	2 Year Total Cost	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
4.23%	£1,215.23	7.49%	£1,499	Tracker	7.0% APRC	28m	0m	£30,665	£477,338	37140	42	1499	Halifax
4.29%	£1,223.96	6.49%	£999	Tracker	6.3% APRC	24m	0m	£30,024	£443,533	21218	344	999	HSBC Intermediary
4.29%	£1,223.96	6.74%	£999	Tracker	6.5% APRC	26m	0m	£30,473	£454,973	28746	80	999	Virgin Money
4.29%	£1,223.96	6.74%	£1,014	Tracker	6.5% APRC	24m	0m	£29,889	£452,481	51141	75	1014	Nationwide B.Soc
4.36%	£1,232.81	5.99%	£1,024	Tracker	5.9% APRC	24m	0m	£30,691	£426,503	64269	115	1024	Barclays

This table is based on a residential property value of £300,000 and a mortgage secured against that property of £225,000 (assuming no fees added), calculated on a capital & repayment basis (repayment mortgage) over a term of 25 years (300 monthly payments).

Source: Mortgage Brain. This information was last revised on 14 Nov 2025 at 05:30 hours

Disclaimer: This information does not contain all of the details you need to choose a mortgage. Interest rates can fluctuate and this could affect the amount payable by yourself.