Best Buys

Initial Rate	Initial Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.07%	£531.71	5.99%	£25	Fixed	5.8% APRC	25m	25m	£12,366	39732	115	25	Barclays
4.15%	£536.15	6.74%	£15	Fixed	6.4% APRC	24m	24m	£12,383	65597	75	15	Nationwide B.Soc
4.18%	£537.83	6.74%	£25	Fixed	6.5% APRC	26m	26m	£13,032	68425	80	25	Virgin Money
4.49%	£555.27	7.49%	£25	Variable	7.1% APRC	24m	24m	£13,051	23233	6	25	Beverley BS
4.15%	£536.15	6.49%	£0	Fixed	6.2% APRC	27m	27m	£13,075	18294	344	0	HSBC Intermediary

Initial Rate	Initial Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.07%	£531.71	5.99%	£25	Fixed	5.8% APRC	25m	25m	£12,366	39732	115	25	Barclays
4.15%	£536.15	6.74%	£15	Fixed	6.4% APRC	24m	24m	£12,383	65597	75	15	Nationwide B.Soc
4.18%	£537.83	6.74%	£25	Fixed	6.5% APRC	26m	26m	£13,032	68425	80	25	Virgin Money
4.15%	£536.15	6.49%	£0	Fixed	6.2% APRC	27m	27m	£13,075	18294	344	0	HSBC Intermediary
4.24%	£541.18	6.99%	£0	Fixed	6.6% APRC	26m	26m	£13,087	54153	163	0	Clydesdale Bank PLC

Initial Rate	Initial Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.50%	£555.83	5.99%	£25	Tracker	5.9% APRC	24m	24m	£13,195	64275	115	25	Barclays
4.19%	£538.38	6.74%	£1,014	Tracker	6.5% APRC	24m	0m	£13,435	51138	75	1014	Nationwide B.Soc
4.72%	£568.39	6.99%	£30	Tracker	6.7% APRC	27m	27m	£13,560	32572	207	30	NatWest
4.24%	£541.18	6.49%	£999	Tracker	6.3% APRC	24m	0m	£13,637	21179	344	999	HSBC Intermediary
4.25%	£541.74	6.75%	£999	Tracker	6.6% APRC	24m	0m	£13,976	68816	1	999	Santander

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 19 Nov 2025 at 04:25 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.