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
4.04%	£265.02	5.74%	£310.93	£1,024	Tracker	5.8% APRC	24m	0m	£7,464	26761	115	1024	Barclays
4.13%	£267.52	6.49%	£332.58	£1,014	Tracker	6.4% APRC	24m	0m	£6,934	27034	75	1014	Nationwide B.Soc
4.14%	£267.80	6.50%	£332.89	£999	Tracker	6.4% APRC	24m	0m	£7,401	64864	1	999	Santander
4.14%	£267.80	6.29%	£326.81	£995	Tracker	6.3% APRC	24m	0m	£7,422	76311	140	995	Skipton B.Society
4.19%	£269.19	7.74%	£369.05	£1,034	Tracker	7.4% APRC	27m	0m	£7,759	62332	57	1034	Leeds B Society
4.24%	£270.59	6.49%	£333.39	£1,024	Tracker	6.5% APRC	27m	0m	£7,617	36033	80	1024	Virgin Money
4.28%	£271.71	6.74%	£339.60	£1,025	Tracker	6.6% APRC	27m	27m	£7,665	33963	207	1025	NatWest
4.35%	£273.68	6.74%	£337.60	£1,030	Tracker	6.4% APRC	27m	0m	£7,688	66495	360	1030	Accord Mortgages
4.39%	£274.80	6.00%	£317.43	£0	Variable	5.7% APRC	36m	36m	£7,172	38087	76	0	Newbury
4.44%	£276.22	7.24%	£354.49	£995	Tracker	7.0% APRC	28m	0m	£7,624	63581	313	995	TSB Bank
4.45%	£276.50	6.94%	£345.89	£1,510	Fixed	6.9% APRC	27m	27m	£8,995	63304	628	1510	Bank of Ireland
4.49%	£277.63	8.24%	£386.16	£1,524	Variable	8.1% APRC	24m	24m	£8,022	81916	132	1524	Teachers B Society
4.54%	£279.05	7.34%	£358.70	£25	Variable	7.0% APRC	24m	24m	£6,422	25218	6	25	Beverley BS
4.60%	£280.76	6.24%	£325.96	£1,499	Variable	6.4% APRC	27m	0m	£7,862	35236	686	1499	West Brom BS
4.64%	£281.90	7.74%	£371.09	£0	Variable	7.3% APRC	24m	24m	£6,616	36219	156	0	Scottish B.Soc

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
4.45%	£276.50	6.94%	£345.89	£1,510	Fixed	6.9% APRC	27m	27m	£8,995	63304	628	1510	Bank of Ireland
4.59%	£280.48	6.50%	£331.48	£999	Fixed	6.3% APRC	39m	39m	£8,911	64257	1	999	Santander
4.65%	£282.19	5.74%	£312.02	£1,024	Fixed	5.9% APRC	26m	26m	£7,877	29883	115	1024	Barclays
4.68%	£283.05	6.54%	£334.48	£1,007	Fixed	6.5% APRC	29m	29m	£8,531	37158	28	1007	Coventry
4.69%	£283.34	6.29%	£327.47	£1,495	Fixed	6.4% APRC	28m	28m	£8,773	1673	140	1495	Skipton B.Society
4.69%	£283.34	7.24%	£352.54	£995	Fixed	6.9% APRC	40m	40m	£8,990	63596	313	995	TSB Bank
4.69%	£283.34	7.74%	£371.21	£995	Fixed	7.6% APRC	24m	24m	£7,895	74495	156	995	Scottish B.Soc
4.73%	£284.48	7.74%	£360.92	£1,034	Fixed	6.8% APRC	63m	63m	£10,277	59867	57	1034	Leeds B Society
4.75%	£284.77	7.24%	£347.53	£0	Fixed	6.3% APRC	62m	62m	£8,269	52077	42	0	Halifax
4.77%	£285.63	6.49%	£333.98	£1,014	Fixed	6.6% APRC	24m	24m	£7,369	26032	75	1014	Nationwide B.Soc
4.77%	£285.63	6.49%	£334.69	£1,024	Fixed	6.6% APRC	27m	27m	£8,695	36657	80	1024	Virgin Money
4.77%	£285.63	6.74%	£340.82	£1,025	Fixed	6.7% APRC	27m	27m	£7,889	59577	207	1025	NatWest
4.83%	£287.36	6.80%	£336.64	£8	Fixed	6.1% APRC	63m	63m	£9,361	50387	90	8	Principality
4.90%	£289.39	6.24%	£326.66	£1,499	Fixed	6.5% APRC	27m	27m	£9,036	55495	686	1499	West Brom BS
4.90%	£289.39	6.74%	£335.48	£1,530	Fixed	6.4% APRC	63m	63m	£9,980	60356	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
4.04%	£265.02	5.74%	£310.93	£1,024	Tracker	5.8% APRC	24m	0m	£7,464	26761	115	1024	Barclays
4.13%	£267.52	6.49%	£332.58	£1,014	Tracker	6.4% APRC	24m	0m	£6,934	27034	75	1014	Nationwide B.Soc
4.14%	£267.80	6.29%	£326.81	£995	Tracker	6.3% APRC	24m	0m	£7,422	76311	140	995	Skipton B.Society
4.14%	£267.80	6.50%	£332.89	£999	Tracker	6.4% APRC	24m	0m	£7,401	64864	1	999	Santander
4.19%	£269.19	7.74%	£369.05	£1,034	Tracker	7.4% APRC	27m	0m	£7,759	62332	57	1034	Leeds B Society
4.24%	£270.59	6.49%	£333.39	£1,024	Tracker	6.5% APRC	27m	0m	£7,617	36033	80	1024	Virgin Money
4.28%	£271.71	6.74%	£339.60	£1,025	Tracker	6.6% APRC	27m	27m	£7,665	33963	207	1025	NatWest
4.35%	£273.68	6.74%	£337.60	£1,030	Tracker	6.4% APRC	27m	0m	£7,688	66495	360	1030	Accord Mortgages
4.44%	£276.22	7.24%	£354.49	£995	Tracker	7.0% APRC	28m	0m	£7,624	63581	313	995	TSB Bank

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 27 Jul 2026 at 00:37 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.