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
4.04%	£1,192.61	6.49%	£1,014	Tracker	6.2% APRC	24m	0m	£29,137	£441,947	51141	75	1014	Nationwide B.Soc
4.04%	£1,192.61	6.49%	£999	Tracker	6.3% APRC	26m	0m	£29,721	£444,425	9109	80	999	Virgin Money
4.08%	£1,196.46	7.24%	£1,499	Tracker	6.8% APRC	27m	0m	£30,214	£467,936	12917	42	1499	Halifax
4.09%	£1,198.84	6.24%	£999	Tracker	6.0% APRC	24m	0m	£29,771	£433,747	10872	344	999	HSBC Intermediary
4.11%	£1,201.34	5.74%	£1,024	Tracker	5.6% APRC	24m	0m	£29,936	£416,298	64269	115	1024	Barclays

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
4.22%	£1,215.13	6.24%	£999	Fixed	6.0% APRC	26m	26m	£30,162	£433,575	66035	344	999	HSBC Intermediary
4.29%	£1,223.96	6.74%	£1,024	Fixed	6.4% APRC	27m	27m	£33,716	£451,401	44978	163	1024	Clydesdale Bank PLC
4.33%	£1,229.01	5.74%	£1,024	Fixed	5.6% APRC	27m	27m	£34,891	£416,591	91685	115	1024	Barclays
4.39%	£1,236.62	7.24%	£1,495	Fixed	6.9% APRC	26m	26m	£31,174	£471,173	19588	313	1495	TSB Bank
4.44%	£1,242.97	6.74%	£1,025	Fixed	6.5% APRC	26m	26m	£30,506	£452,462	65117	207	1025	NatWest

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
4.04%	£1,192.61	6.49%	£999	Tracker	6.3% APRC	26m	0m	£29,721	£444,425	9109	80	999	Virgin Money
4.04%	£1,192.61	6.49%	£1,014	Tracker	6.2% APRC	24m	0m	£29,137	£441,947	51141	75	1014	Nationwide B.Soc
4.08%	£1,196.46	7.24%	£1,499	Tracker	6.8% APRC	27m	0m	£30,214	£467,936	12917	42	1499	Halifax
4.09%	£1,198.84	6.24%	£999	Tracker	6.0% APRC	24m	0m	£29,771	£433,747	10872	344	999	HSBC Intermediary
4.11%	£1,201.34	5.74%	£1,024	Tracker	5.6% APRC	24m	0m	£29,936	£416,298	64269	115	1024	Barclays

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 22 Mar 2026 at 02:29 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.