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
4.14%	£535.60	6.49%	£15	Fixed	6.2% APRC	24m	24m	£12,369	24580	75	15	Nationwide B.Soc
4.34%	£546.79	6.24%	£0	Fixed	6.0% APRC	26m	26m	£12,748	75877	686	0	West Brom BS
4.19%	£538.38	7.74%	£0	Fixed	7.3% APRC	24m	24m	£12,771	44338	156	0	Scottish B.Soc
4.35%	£547.35	6.94%	£15	Fixed	6.6% APRC	26m	26m	£12,846	77696	628	15	Bank of Ireland
4.34%	£546.79	7.34%	£25	Variable	7.0% APRC	24m	24m	£12,848	23233	6	25	Beverley BS

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
4.14%	£535.60	6.49%	£15	Fixed	6.2% APRC	24m	24m	£12,369	24580	75	15	Nationwide B.Soc
4.34%	£546.79	6.24%	£0	Fixed	6.0% APRC	26m	26m	£12,748	75877	686	0	West Brom BS
4.19%	£538.38	7.74%	£0	Fixed	7.3% APRC	24m	24m	£12,771	44338	156	0	Scottish B.Soc
4.35%	£547.35	6.94%	£15	Fixed	6.6% APRC	26m	26m	£12,846	77696	628	15	Bank of Ireland
4.07%	£531.82	7.99%	£1,019	Fixed	7.6% APRC	24m	24m	£12,883	76660	198	1019	Furness B.Soc

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
4.25%	£541.74	5.74%	£25	Tracker	5.6% APRC	24m	24m	£12,857	64275	115	25	Barclays
3.94%	£524.53	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£13,103	51138	75	1014	Nationwide B.Soc
3.99%	£527.28	6.24%	£999	Tracker	6.1% APRC	24m	0m	£13,304	32156	344	999	HSBC Intermediary
4.57%	£559.81	6.74%	£30	Tracker	6.5% APRC	27m	27m	£13,354	78166	207	30	NatWest
4.00%	£527.84	6.50%	£999	Tracker	6.3% APRC	24m	0m	£13,642	1739	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 22 Feb 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.