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
3.66%	£254.62	6.99%	£345.25	£1,025	Fixed	6.7% APRC	27m	27m	£7,492	17467	207	1025	NatWest
3.69%	£255.44	6.75%	£338.34	£999	Fixed	6.5% APRC	27m	27m	£7,829	46135	1	999	Santander
3.70%	£255.71	5.99%	£317.25	£1,024	Fixed	5.9% APRC	24m	24m	£7,241	62647	115	1024	Barclays
3.70%	£255.71	6.74%	£338.87	£1,014	Fixed	6.5% APRC	24m	24m	£6,651	20227	75	1014	Nationwide B.Soc
3.79%	£258.16	7.74%	£368.26	£1,534	Fixed	7.5% APRC	26m	26m	£7,994	70075	57	1534	Leeds B Society
3.79%	£258.16	7.49%	£360.74	£1,495	Fixed	7.2% APRC	26m	26m	£7,691	73201	313	1495	TSB Bank
3.84%	£259.52	6.74%	£339.58	£1,024	Fixed	6.6% APRC	27m	27m	£8,064	33915	80	1024	Virgin Money
3.85%	£259.79	6.54%	£332.70	£1,515	Fixed	6.5% APRC	27m	27m	£8,409	72829	140	1515	Skipton B.Society
3.97%	£263.09	6.74%	£338.32	£1,007	Fixed	6.5% APRC	29m	29m	£8,047	880	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	7.19%	£352.33	£1,010	Fixed	6.9% APRC	26m	26m	£7,532	26981	628	1010	Bank of Ireland
4.03%	£264.85	8.09%	£380.48	£1,019	Fixed	7.7% APRC	24m	24m	£7,225	25188	198	1019	Furness B.Soc
4.04%	£265.02	6.15%	£320.42	£850	Variable	5.9% APRC	36m	36m	£7,786	5791	76	850	Newbury
4.05%	£265.30	6.39%	£326.29	£999	Fixed	6.1% APRC	40m	40m	£8,181	13861	686	999	West Brom BS
4.07%	£265.85	6.99%	£343.44	£1,530	Fixed	6.6% APRC	27m	27m	£8,952	25906	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
3.66%	£254.62	6.99%	£345.25	£1,025	Fixed	6.7% APRC	27m	27m	£7,492	17467	207	1025	NatWest
3.69%	£255.44	6.75%	£338.34	£999	Fixed	6.5% APRC	27m	27m	£7,829	46135	1	999	Santander
3.70%	£255.71	5.99%	£317.25	£1,024	Fixed	5.9% APRC	24m	24m	£7,241	62647	115	1024	Barclays
3.70%	£255.71	6.74%	£338.87	£1,014	Fixed	6.5% APRC	24m	24m	£6,651	20227	75	1014	Nationwide B.Soc
3.79%	£258.16	7.49%	£360.74	£1,495	Fixed	7.2% APRC	26m	26m	£7,691	73201	313	1495	TSB Bank
3.79%	£258.16	7.74%	£368.26	£1,534	Fixed	7.5% APRC	26m	26m	£7,994	70075	57	1534	Leeds B Society
3.84%	£259.52	6.74%	£339.58	£1,024	Fixed	6.6% APRC	27m	27m	£8,064	33915	80	1024	Virgin Money
3.85%	£259.79	6.54%	£332.70	£1,515	Fixed	6.5% APRC	27m	27m	£8,409	72829	140	1515	Skipton B.Society
3.97%	£263.09	6.74%	£338.32	£1,007	Fixed	6.5% APRC	29m	29m	£8,047	880	28	1007	Coventry
3.99%	£263.64	7.19%	£352.33	£1,010	Fixed	6.9% APRC	26m	26m	£7,532	26981	628	1010	Bank of Ireland
3.99%	£263.64	7.74%	£357.21	£1,499	Fixed	6.6% APRC	60m	60m	£9,103	24916	156	1499	Scottish B.Soc
4.03%	£264.85	8.09%	£380.48	£1,019	Fixed	7.7% APRC	24m	24m	£7,225	25188	198	1019	Furness B.Soc
4.05%	£265.30	6.39%	£326.29	£999	Fixed	6.1% APRC	40m	40m	£8,181	13861	686	999	West Brom BS
4.07%	£265.85	6.99%	£343.44	£1,530	Fixed	6.6% APRC	27m	27m	£8,952	25906	360	1530	Accord Mortgages
4.09%	£266.41	6.80%	£332.24	£8	Fixed	5.7% APRC	63m	63m	£8,847	73248	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
4.19%	£269.19	6.74%	£340.50	£999	Tracker	6.7% APRC	27m	0m	£7,559	30549	80	999	Virgin Money
4.19%	£269.19	6.74%	£340.02	£1,014	Tracker	6.6% APRC	24m	0m	£6,975	51138	75	1014	Nationwide B.Soc
4.21%	£269.75	5.99%	£318.37	£1,024	Tracker	6.0% APRC	24m	0m	£7,578	64265	115	1024	Barclays
4.25%	£270.87	6.75%	£340.45	£999	Tracker	6.7% APRC	24m	0m	£7,475	60038	1	999	Santander
4.35%	£273.68	6.99%	£347.10	£1,025	Tracker	6.8% APRC	27m	27m	£7,713	19804	207	1025	NatWest
4.37%	£274.24	6.54%	£334.57	£1,015	Tracker	6.5% APRC	24m	0m	£7,662	53679	140	1015	Skipton B.Society
4.49%	£277.63	7.49%	£362.60	£995	Tracker	7.3% APRC	26m	0m	£7,658	2882	313	995	TSB Bank
4.57%	£279.91	6.99%	£344.73	£1,030	Tracker	6.6% APRC	27m	0m	£7,838	27653	360	1030	Accord Mortgages
4.65%	£282.19	6.80%	£340.70	£8	Tracker	6.4% APRC	27m	27m	£7,323	73249	90	8	Principality

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 15 Dec 2025 at 00:47 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.