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
4.39%	£549.61	£634.87	6.00%	£0	Variable	5.7% APRC	36m	36m	£19,886	38087	76	0	Newbury
4.35%	£547.35	£614.77	5.74%	£1,024	Tracker	5.4% APRC	60m	0m	£20,559	64289	115	1024	Barclays
4.95%	£581.68	£665.71	6.50%	£0	Fixed	6.2% APRC	38m	38m	£20,915	90930	1	0	Santander
5.19%	£595.71	£667.15	6.49%	£15	Fixed	6.3% APRC	36m	36m	£20,961	30345	75	15	Nationwide B.Soc
5.19%	£595.71	£595.71	5.19%	£589	Variable	5.4% APRC	0m	36m	£21,035	93934	48	589	Ecology B.Soc

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
4.95%	£581.68	£665.71	6.50%	£0	Fixed	6.2% APRC	38m	38m	£20,915	90930	1	0	Santander
5.19%	£595.71	£667.15	6.49%	£15	Fixed	6.3% APRC	36m	36m	£20,961	30345	75	15	Nationwide B.Soc
4.67%	£565.53	£622.20	5.74%	£1,024	Fixed	5.7% APRC	37m	37m	£21,113	23559	115	1024	Barclays
5.06%	£588.09	£681.23	6.80%	£8	Fixed	6.4% APRC	38m	38m	£21,244	23863	90	8	Principality
5.29%	£601.61	£692.89	6.94%	£15	Fixed	6.6% APRC	38m	38m	£21,368	30963	628	15	Bank of Ireland

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
5.49%	£613.49	£613.49	5.49%	£1,289	Discount	5.8% APRC	0m	0m	£22,375	93925	48	1289	Ecology B.Soc
5.84%	£634.56	£634.56	5.84%	£1,730	Tracker	6.2% APRC	0m	24m	£24,699	55642	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 03 Aug 2026 at 02:13 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.