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
2.77%	£1,040.25	8.89%	£11,790	Fixed	8.3% APRC	29m	29m	£43,316	£528,329	233719	523	11790	1APP@AMM-Vida
2.77%	£1,040.25	8.89%	£11,790	Fixed	8.3% APRC	29m	29m	£43,316	£528,329	15252	523	11790	Vida Homeloans
2.87%	£1,051.82	7.49%	£6,775	Fixed	7.1% APRC	25m	25m	£32,118	£476,838	72086	80	6775	Virgin Money
2.96%	£1,062.30	8.99%	£16,175	Fixed	8.9% APRC	24m	24m	£41,760	£545,264	222147	172	16175	1APP@AMM-CHL
3.83%	£1,166.62	6.99%	£3,530	Fixed	6.7% APRC	27m	27m	£35,646	£459,583	28195	360	3530	Accord Mortgages

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
2.77%	£1,040.25	8.89%	£11,790	Fixed	8.3% APRC	29m	29m	£43,316	£528,329	233719	523	11790	1APP@AMM-Vida
2.77%	£1,040.25	8.89%	£11,790	Fixed	8.3% APRC	29m	29m	£43,316	£528,329	15252	523	11790	Vida Homeloans
2.87%	£1,051.82	7.49%	£6,775	Fixed	7.1% APRC	25m	25m	£32,118	£476,838	72086	80	6775	Virgin Money
2.96%	£1,062.30	8.99%	£16,175	Fixed	8.9% APRC	24m	24m	£41,760	£545,264	222147	172	16175	1APP@AMM-CHL
3.83%	£1,166.62	6.99%	£3,530	Fixed	6.7% APRC	27m	27m	£35,646	£459,583	28195	360	3530	Accord Mortgages

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	6.99%	£2,030	Tracker	6.8% APRC	27m	27m	£33,236	£463,116	28154	360	2030	Accord Mortgages
4.99%	£1,314.02	4.99%	£1,183	Tracker	5.2% APRC	0m	0m	£32,819	£395,489	12726	474	1183	Co-operative Bank
5.10%	£1,328.47	7.49%	£1,020	Tracker	7.3% APRC	25m	25m	£33,002	£485,169	1692	80	1020	Virgin Money

This table is based on a BTL property value of £300,000 and a mortgage secured against that property of £225,000 (assuming no fees added), with an expected monthly rental income of £1,000. This is 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 07 Dec 2025 at 04:36 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.