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
3.95%	£525.08	6.24%	£644.42	£1,034	Fixed	5.8%	38m	38m	£19,667	52303	115	1034	Barclays
4.10%	£533.37	6.74%	£662.01	£0	Fixed	5.7%	62m	62m	£20,069	43020	344	0	HSBC Intermediary
4.14%	£535.09	6.24%	£645.77	£30	Fixed	5.8%	36m	36m	£19,043	31791	1369	30	MPowered Mtgs Resi
4.19%	£538.38	6.30%	£650.14	£850	Variable	6.0%	36m	36m	£20,332	5791	76	850	Newbury
4.29%	£543.98	6.99%	£689.69	£15	Fixed	6.4%	36m	36m	£19,098	38666	75	15	Nationwide B.Soc
4.31%	£545.10	6.75%	£675.33	£0	Fixed	6.2%	38m	38m	£19,599	15538	1	0	Santander
4.32%	£545.14	7.74%	£731.36	£0	Fixed	6.9%	38m	38m	£19,375	39149	42	0	Halifax
4.39%	£549.61	7.74%	£732.72	£0	Fixed	6.9%	38m	38m	£19,486	51725	313	0	TSB Bank
4.66%	£564.95	7.44%	£717.29	£15	Fixed	6.8%	38m	38m	£20,048	7528	628	15	Bank of Ireland
4.78%	£571.84	6.99%	£684.34	£1,020	Fixed	6.3%	61m	61m	£19,504	13411	80	1020	Virgin Money

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
3.95%	£525.08	6.24%	£644.42	£1,034	Fixed	5.8%	38m	38m	£19,667	52303	115	1034	Barclays
4.10%	£533.37	6.74%	£662.01	£0	Fixed	5.7%	62m	62m	£20,069	43020	344	0	HSBC Intermediary
4.14%	£535.09	6.24%	£645.77	£30	Fixed	5.8%	36m	36m	£19,043	31791	1369	30	MPowered Mtgs Resi
4.24%	£541.18	7.12%	£695.27	£0	Fixed	6.4%	39m	39m	£20,511	8228	474	0	Co-operative Bank
4.29%	£543.98	6.99%	£689.69	£15	Fixed	6.4%	36m	36m	£19,098	38666	75	15	Nationwide B.Soc
4.31%	£545.10	6.75%	£675.33	£0	Fixed	6.2%	38m	38m	£19,599	15538	1	0	Santander
4.32%	£545.14	7.74%	£731.36	£0	Fixed	6.9%	38m	38m	£19,375	39149	42	0	Halifax
4.39%	£549.61	7.74%	£732.72	£0	Fixed	6.9%	38m	38m	£19,486	51725	313	0	TSB Bank
4.66%	£564.95	7.44%	£717.29	£15	Fixed	6.8%	38m	38m	£20,048	7528	628	15	Bank of Ireland
4.78%	£571.84	6.99%	£684.34	£1,020	Fixed	6.3%	61m	61m	£19,504	13411	80	1020	Virgin Money

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
4.84%	£575.31	4.84%	£575.31	£999	Tracker	5.1%	0m	0m	£21,810	31534	474	999	Co-operative Bank
4.85%	£575.88	6.24%	£645.38	£1,034	Tracker	5.9%	60m	0m	£21,596	28644	115	1034	Barclays
6.44%	£671.46	6.44%	£671.46	£1,730	Tracker	6.8%	0m	24m	£26,028	3216	1097	1730	United Trust Bank
6.70%	£687.76	6.70%	£687.76	£1,729	Tracker	7.1%	0m	0m	£26,663	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 09 Jul 2025 at 01:53 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.