Best Buys

Initial Rate	Initial Payment	Reverting Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.30%	£544.54	£661.46	6.49%	£15	Fixed	6.0% APRC	36m	36m	£19,118	70617	75	15	Nationwide B.Soc
4.12%	£534.49	£648.37	6.29%	£20	Fixed	5.8% APRC	38m	38m	£19,262	68013	140	20	Skipton B.Society
3.75%	£514.13	£616.24	5.74%	£1,024	Fixed	5.4% APRC	37m	37m	£19,263	2030	115	1024	Barclays
4.15%	£536.15	£660.21	6.50%	£0	Fixed	6.0% APRC	38m	38m	£19,276	66963	1	0	Santander
4.33%	£546.23	£647.08	6.24%	£0	Fixed	5.8% APRC	38m	38m	£19,289	19052	686	0	West Brom BS

Initial Rate	Initial Payment	Reverting Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.30%	£544.54	£661.46	6.49%	£15	Fixed	6.0% APRC	36m	36m	£19,118	70617	75	15	Nationwide B.Soc
4.12%	£534.49	£648.37	6.29%	£20	Fixed	5.8% APRC	38m	38m	£19,262	68013	140	20	Skipton B.Society
3.75%	£514.13	£616.24	5.74%	£1,024	Fixed	5.4% APRC	37m	37m	£19,263	2030	115	1024	Barclays
4.15%	£536.15	£660.21	6.50%	£0	Fixed	6.0% APRC	38m	38m	£19,276	66963	1	0	Santander
4.33%	£546.23	£647.08	6.24%	£0	Fixed	5.8% APRC	38m	38m	£19,289	19052	686	0	West Brom BS

Initial Rate	Initial Payment	Reverting Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.35%	£547.35	£614.77	5.74%	£1,024	Tracker	5.4% APRC	60m	0m	£20,559	64289	115	1024	Barclays
4.34%	£546.79	£546.79	4.34%	£999	Tracker	4.5% APRC	0m	0m	£20,783	13108	474	999	Co-operative Bank
5.54%	£616.48	£616.48	5.54%	£1,730	Tracker	5.9% APRC	0m	24m	£24,048	41569	1097	1730	United Trust Bank
6.20%	£656.58	£656.58	6.20%	£1,729	Tracker	6.6% APRC	0m	0m	£25,541	39251	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 04 Feb 2026 at 02:04 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.