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	28m	0m	£30,214	£467,205	35292	42	1499	Halifax
4.18%	£1,210.11	5.74%	£1,024	Tracker	5.6% APRC	24m	0m	£30,147	£416,693	43442	115	1024	Barclays
4.19%	£1,211.36	6.24%	£999	Tracker	6.1% APRC	24m	0m	£30,072	£434,321	42221	344	999	HSBC Intermediary
4.24%	£1,217.65	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£29,738	£443,108	30382	75	1014	Nationwide B.Soc
4.44%	£1,242.97	6.49%	£1,024	Tracker	6.4% APRC	26m	0m	£30,954	£446,961	35935	80	1024	Virgin Money

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
4.71%	£1,277.59	6.24%	£999	Fixed	6.1% APRC	26m	26m	£31,661	£436,596	42188	344	999	HSBC Intermediary
4.74%	£1,281.47	6.94%	£1,510	Fixed	6.7% APRC	27m	27m	£36,763	£462,125	9694	628	1510	Bank of Ireland
4.75%	£1,282.76	7.24%	£995	Fixed	7.0% APRC	24m	24m	£31,451	£473,807	4716	1581	995	Progressive-England
4.76%	£1,284.06	6.49%	£1,024	Fixed	6.4% APRC	26m	26m	£31,940	£448,954	36127	80	1024	Virgin Money
4.76%	£1,284.06	6.49%	£1,014	Fixed	6.4% APRC	24m	24m	£31,331	£446,104	42003	75	1014	Nationwide 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	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
4.08%	£1,196.46	7.24%	£1,499	Tracker	6.8% APRC	28m	0m	£30,214	£467,205	35292	42	1499	Halifax
4.18%	£1,210.11	5.74%	£1,024	Tracker	5.6% APRC	24m	0m	£30,147	£416,693	43442	115	1024	Barclays
4.19%	£1,211.36	6.24%	£999	Tracker	6.1% APRC	24m	0m	£30,072	£434,321	42221	344	999	HSBC Intermediary
4.24%	£1,217.65	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£29,738	£443,108	30382	75	1014	Nationwide B.Soc
4.44%	£1,242.97	6.49%	£1,024	Tracker	6.4% APRC	26m	0m	£30,954	£446,961	35935	80	1024	Virgin Money

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 21 May 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.