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	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
4.08%	£1,196.46	7.24%	£1,499	Tracker	6.8% APRC	26m	0m	£30,214	£468,672	47545	42	1499	Halifax
4.13%	£1,203.84	5.74%	£1,024	Tracker	5.6% APRC	24m	0m	£29,996	£416,410	26765	115	1024	Barclays
4.17%	£1,208.85	6.24%	£999	Tracker	6.0% APRC	24m	0m	£30,011	£434,205	23663	344	999	HSBC Intermediary
4.23%	£1,216.39	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£29,707	£443,050	27043	75	1014	Nationwide B.Soc
4.24%	£1,217.65	6.50%	£999	Tracker	6.3% APRC	24m	0m	£30,448	£444,180	43753	1	999	Santander

Initial Rate	Initial Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	2 Year Total Cost	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
4.30%	£1,225.22	7.24%	£995	Fixed	6.9% APRC	24m	24m	£30,070	£471,135	56976	1581	995	Progressive-England
4.45%	£1,244.25	6.94%	£1,510	Fixed	6.7% APRC	27m	27m	£35,562	£459,924	37101	628	1510	Bank of Ireland
4.49%	£1,249.35	6.74%	£1,530	Fixed	6.3% APRC	27m	27m	£35,900	£447,384	84805	360	1530	Accord Mortgages
4.49%	£1,249.35	7.24%	£1,495	Fixed	7.0% APRC	25m	25m	£31,479	£472,457	7438	313	1495	TSB Bank
4.51%	£1,251.90	6.24%	£999	Fixed	6.1% APRC	27m	27m	£32,978	£434,977	83098	344	999	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	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
4.08%	£1,196.46	7.24%	£1,499	Tracker	6.8% APRC	26m	0m	£30,214	£468,672	47545	42	1499	Halifax
4.13%	£1,203.84	5.74%	£1,024	Tracker	5.6% APRC	24m	0m	£29,996	£416,410	26765	115	1024	Barclays
4.17%	£1,208.85	6.24%	£999	Tracker	6.0% APRC	24m	0m	£30,011	£434,205	23663	344	999	HSBC Intermediary
4.23%	£1,216.39	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£29,707	£443,050	27043	75	1014	Nationwide B.Soc
4.24%	£1,217.65	6.50%	£999	Tracker	6.3% APRC	24m	0m	£30,448	£444,180	43753	1	999	Santander

This table is based on a residential property value of £300,000 and a mortgage secured against that property of £225,000 (assuming no fees added), calculated on a capital & repayment basis (repayment mortgage) over a term of 25 years (300 monthly payments).

Source: Mortgage Brain. This information was last revised on 20 Jul 2026 at 02:32 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.