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
2.79%	£1,042.56	7.49%	£6,775	Fixed	7.0% APRC	26m	26m	£31,895	£475,208	8409	80	6775	Virgin Money
2.91%	£1,056.47	8.74%	£16,175	Fixed	8.7% APRC	24m	24m	£41,620	£535,169	218904	172	16175	1APP@AMM-CHL
3.29%	£1,101.22	8.74%	£12,854	Fixed	8.6% APRC	24m	24m	£39,383	£534,351	222886	1393	12854	Brightstar-Moda
3.29%	£1,101.22	8.74%	£12,555	Fixed	8.6% APRC	24m	24m	£39,084	£534,052	222883	1393	12555	1APP@AMM-Moda
4.05%	£1,193.85	8.24%	£1,585	Fixed	6.6% APRC	63m	63m	£38,884	£471,440	42740	115	1585	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
2.79%	£1,042.56	7.49%	£6,775	Fixed	7.0% APRC	26m	26m	£31,895	£475,208	8409	80	6775	Virgin Money
2.91%	£1,056.47	8.74%	£16,175	Fixed	8.7% APRC	24m	24m	£41,620	£535,169	218904	172	16175	1APP@AMM-CHL
3.29%	£1,101.22	8.74%	£12,555	Fixed	8.6% APRC	24m	24m	£39,084	£534,052	222883	1393	12555	1APP@AMM-Moda
3.29%	£1,101.22	8.74%	£12,854	Fixed	8.6% APRC	24m	24m	£39,383	£534,351	222886	1393	12854	Brightstar-Moda
4.05%	£1,193.85	8.24%	£1,585	Fixed	6.6% APRC	63m	63m	£38,884	£471,440	42740	115	1585	Barclays

Lender	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
	4.34%	£1,230.28	6.74%	£2,030	Tracker	6.5% APRC	27m	27m	£32,470	£452,475	33256	360	2030	Accord Mortgages
	4.85%	£1,295.74	7.49%	£1,020	Tracker	7.2% APRC	26m	26m	£32,217	£483,009	7835	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 12 Mar 2026 at 02:24 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.