Best Buys

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	APRC	Initial Period (months)	Early Repayment Charge	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
3.89%	£521.78	6.00%	£631.62	£850	Variable	5.7%	36m	36m	£19,734	5791	76	850	Newbury
3.96%	£525.63	6.49%	£647.55	£0	Fixed	5.5%	62m	62m	£19,938	32002	344	0	HSBC Intermediary
4.04%	£530.15	8.09%	£752.10	£1,019	Fixed	7.3%	36m	36m	£19,954	5255	198	1019	Furness B.Soc
4.09%	£532.82	4.09%	£532.82	£575	Variable	4.2%	0m	24m	£19,757	27376	48	575	Ecology B.Soc
4.11%	£533.93	6.50%	£659.51	£0	Fixed	5.9%	39m	39m	£20,123	50394	1	0	Santander
4.15%	£536.15	6.49%	£660.46	£15	Fixed	6.0%	36m	36m	£18,816	3374	75	15	Nationwide B.Soc
4.18%	£537.83	7.74%	£731.08	£35	Fixed	6.9%	38m	38m	£19,661	18178	57	35	Leeds B Society
4.19%	£537.87	7.49%	£715.25	£0	Fixed	6.7%	39m	39m	£20,041	33556	42	0	Halifax
4.24%	£541.18	7.19%	£699.77	£15	Fixed	6.5%	38m	38m	£19,692	26863	628	15	Bank of Ireland
4.24%	£541.18	7.49%	£717.03	£0	Fixed	6.7%	38m	38m	£19,182	3211	313	0	TSB Bank

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	APRC	Initial Period (months)	Early Repayment Charge	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
3.96%	£525.63	6.49%	£647.55	£0	Fixed	5.5%	62m	62m	£19,938	32002	344	0	HSBC Intermediary
4.04%	£530.15	8.09%	£752.10	£1,019	Fixed	7.3%	36m	36m	£19,954	5255	198	1019	Furness B.Soc
4.10%	£533.37	6.62%	£665.65	£0	Fixed	6.0%	40m	40m	£20,228	24385	474	0	Co-operative Bank
4.11%	£533.93	6.50%	£659.51	£0	Fixed	5.9%	39m	39m	£20,123	50394	1	0	Santander
4.15%	£536.15	6.49%	£660.46	£15	Fixed	6.0%	36m	36m	£18,816	3374	75	15	Nationwide B.Soc
4.15%	£536.15	6.80%	£674.39	£8	Fixed	6.1%	39m	39m	£20,302	73244	90	8	Principality
4.18%	£537.83	7.74%	£731.08	£35	Fixed	6.9%	38m	38m	£19,661	18178	57	35	Leeds B Society
4.19%	£537.87	7.49%	£715.25	£0	Fixed	6.7%	39m	39m	£20,041	33556	42	0	Halifax
4.24%	£541.18	7.49%	£717.03	£0	Fixed	6.7%	38m	38m	£19,182	3211	313	0	TSB Bank
4.24%	£541.18	7.19%	£699.77	£15	Fixed	6.5%	38m	38m	£19,692	26863	628	15	Bank of Ireland

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	APRC	Initial Period (months)	Early Repayment Charge	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.34%	£546.79	4.34%	£546.79	£999	Tracker	4.5%	0m	0m	£20,783	13108	474	999	Co-operative Bank
4.35%	£547.35	5.74%	£614.77	£1,024	Tracker	5.4%	60m	0m	£20,559	64289	115	1024	Barclays
5.94%	£640.64	5.94%	£640.64	£1,730	Tracker	6.3%	0m	24m	£24,918	3216	1097	1730	United Trust Bank
6.20%	£656.58	6.20%	£656.58	£1,729	Tracker	6.6%	0m	0m	£25,541	12182	957	1729	West One

This table is based on a property value of £200,000 and a mortgage secured against that property of £100,000 calculated on a capital and interest basis (repayment mortgage) over 25 years.

Source: Mortgage Brain. This information was last revised on 31 Dec 2025 at 01:47 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.