Best Buys

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
3.64%	£254.08	6.74%	£337.91	£1,025	Fixed	6.5% APRC	27m	27m	£7,479	13008	207	1025	NatWest
3.67%	£254.89	5.74%	£309.78	£1,024	Fixed	5.7% APRC	26m	26m	£6,871	6960	115	1024	Barclays
3.69%	£255.44	7.24%	£353.32	£1,495	Fixed	7.0% APRC	25m	25m	£7,626	21372	313	1495	TSB Bank
3.69%	£255.44	6.50%	£331.12	£999	Fixed	6.3% APRC	27m	27m	£7,829	25620	1	999	Santander
3.70%	£255.71	6.49%	£331.59	£1,014	Fixed	6.3% APRC	24m	24m	£6,651	20227	75	1014	Nationwide B.Soc
3.80%	£258.43	6.94%	£344.17	£1,010	Fixed	6.7% APRC	27m	27m	£8,357	5991	628	1010	Bank of Ireland
3.84%	£259.52	6.49%	£332.61	£1,024	Fixed	6.4% APRC	26m	26m	£7,351	33915	80	1024	Virgin Money
3.87%	£260.34	7.74%	£355.36	£2,034	Fixed	6.6% APRC	63m	63m	£10,685	5945	57	2034	Leeds B Society
3.91%	£261.44	6.54%	£332.85	£1,515	Fixed	6.5% APRC	27m	27m	£8,384	34425	140	1515	Skipton B.Society
3.97%	£263.20	8.09%	£380.33	£1,019	Fixed	7.7% APRC	24m	24m	£7,186	5260	198	1019	Furness B.Soc
3.97%	£263.09	6.74%	£338.08	£1,007	Fixed	6.5% APRC	30m	30m	£8,047	699	28	1007	Coventry
3.99%	£263.64	7.74%	£357.21	£1,499	Fixed	6.6% APRC	60m	60m	£9,103	24916	156	1499	Scottish B.Soc
3.99%	£263.64	6.00%	£316.14	£850	Variable	5.8% APRC	36m	36m	£7,753	2768	76	850	Newbury
4.09%	£266.41	6.24%	£324.72	£999	Fixed	6.2% APRC	27m	27m	£7,979	18168	686	999	West Brom BS
4.10%	£266.69	6.80%	£339.54	£8	Fixed	6.3% APRC	26m	26m	£6,474	25415	90	8	Principality

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
3.64%	£254.08	6.74%	£337.91	£1,025	Fixed	6.5% APRC	27m	27m	£7,479	13008	207	1025	NatWest
3.67%	£254.89	5.74%	£309.78	£1,024	Fixed	5.7% APRC	26m	26m	£6,871	6960	115	1024	Barclays
3.69%	£255.44	6.50%	£331.12	£999	Fixed	6.3% APRC	27m	27m	£7,829	25620	1	999	Santander
3.69%	£255.44	7.24%	£353.32	£1,495	Fixed	7.0% APRC	25m	25m	£7,626	21372	313	1495	TSB Bank
3.70%	£255.71	6.49%	£331.59	£1,014	Fixed	6.3% APRC	24m	24m	£6,651	20227	75	1014	Nationwide B.Soc
3.80%	£258.43	6.94%	£344.17	£1,010	Fixed	6.7% APRC	27m	27m	£8,357	5991	628	1010	Bank of Ireland
3.84%	£259.52	6.49%	£332.61	£1,024	Fixed	6.4% APRC	26m	26m	£7,351	33915	80	1024	Virgin Money
3.87%	£260.34	7.74%	£355.36	£2,034	Fixed	6.6% APRC	63m	63m	£10,685	5945	57	2034	Leeds B Society
3.91%	£261.44	6.54%	£332.85	£1,515	Fixed	6.5% APRC	27m	27m	£8,384	34425	140	1515	Skipton B.Society
3.97%	£263.09	6.74%	£338.08	£1,007	Fixed	6.5% APRC	30m	30m	£8,047	699	28	1007	Coventry
3.97%	£263.20	8.09%	£380.33	£1,019	Fixed	7.7% APRC	24m	24m	£7,186	5260	198	1019	Furness B.Soc
3.99%	£263.64	7.74%	£357.21	£1,499	Fixed	6.6% APRC	60m	60m	£9,103	24916	156	1499	Scottish B.Soc
4.09%	£266.41	6.24%	£324.72	£999	Fixed	6.2% APRC	27m	27m	£7,979	18168	686	999	West Brom BS
4.10%	£266.69	6.80%	£339.54	£8	Fixed	6.3% APRC	26m	26m	£6,474	25415	90	8	Principality
4.10%	£266.69	6.99%	£343.52	£1,530	Fixed	6.6% APRC	27m	27m	£8,973	1383	360	1530	Accord Mortgages

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
3.94%	£262.26	6.49%	£332.86	£999	Tracker	6.4% APRC	26m	0m	£7,392	30549	80	999	Virgin Money
3.94%	£262.26	6.49%	£332.15	£1,014	Tracker	6.4% APRC	24m	0m	£6,808	51138	75	1014	Nationwide B.Soc
3.96%	£262.82	5.74%	£310.76	£1,024	Tracker	5.8% APRC	24m	0m	£7,412	64265	115	1024	Barclays
4.00%	£263.92	6.50%	£332.57	£999	Tracker	6.4% APRC	24m	0m	£7,308	37666	1	999	Santander
4.10%	£266.69	6.74%	£339.14	£1,025	Tracker	6.6% APRC	27m	27m	£7,545	40729	207	1025	NatWest
4.21%	£269.75	6.54%	£334.22	£1,015	Tracker	6.5% APRC	24m	0m	£7,489	34204	140	1015	Skipton B.Society
4.24%	£270.59	7.24%	£354.72	£995	Tracker	7.0% APRC	25m	0m	£7,489	2882	313	995	TSB Bank
4.40%	£275.09	6.80%	£340.28	£8	Tracker	6.3% APRC	26m	26m	£6,675	73249	90	8	Principality
4.40%	£275.09	6.99%	£344.30	£1,030	Tracker	6.6% APRC	27m	0m	£7,722	4265	360	1030	Accord Mortgages

This table is based on a property value of £150,000 and a mortgage secured against that property of £50,000 calculated on a capital repayment basis over 25 years.

Source: Mortgage Brain. This information was last revised on 18 Jan 2026 at 00:45 hours

Disclaimer: This information does not contain all of the details you need to choose a mortgage. Make sure that you read the separate key facts illustration before you make a decision. Powered by Mortgage Brain.