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
4.17%	£1,208.85	6.24%	£999	Tracker	6.0% APRC	24m	0m	£30,011	£434,205	65684	344	999	HSBC Intermediary
4.18%	£1,208.96	7.24%	£1,499	Tracker	6.8% APRC	28m	0m	£30,514	£467,898	57944	42	1499	Halifax
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	5.74%	£1,024	Tracker	5.6% APRC	24m	0m	£30,328	£417,028	3907	115	1024	Barclays
4.24%	£1,217.65	6.50%	£999	Tracker	6.3% APRC	24m	0m	£30,198	£443,930	64928	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
4.59%	£1,262.14	6.94%	£1,510	Fixed	6.7% APRC	28m	28m	£36,295	£460,603	34735	628	1510	Bank of Ireland
4.64%	£1,268.57	6.49%	£2,024	Fixed	6.4% APRC	26m	26m	£32,569	£446,183	70399	80	2024	Openwork-Virgin
4.66%	£1,271.14	6.50%	£999	Fixed	6.3% APRC	27m	27m	£33,882	£445,345	50049	1	999	Santander
4.71%	£1,277.59	6.24%	£999	Fixed	6.1% APRC	26m	26m	£31,661	£436,596	65628	344	999	HSBC Intermediary
4.73%	£1,280.18	6.74%	£1,025	Fixed	6.5% APRC	27m	27m	£33,363	£454,173	18663	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
4.17%	£1,208.85	6.24%	£999	Tracker	6.0% APRC	24m	0m	£30,011	£434,205	65684	344	999	HSBC Intermediary
4.18%	£1,208.96	7.24%	£1,499	Tracker	6.8% APRC	28m	0m	£30,514	£467,898	57944	42	1499	Halifax
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	5.74%	£1,024	Tracker	5.6% APRC	24m	0m	£30,328	£417,028	3907	115	1024	Barclays
4.24%	£1,217.65	6.50%	£999	Tracker	6.3% APRC	24m	0m	£30,198	£443,930	64928	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 19 Aug 2026 at 02:52 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.