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
3.96%	£525.14	7.24%	£1,499	Tracker	6.8% APRC	28m	0m	£14,102	£208,107	35282	42	1499	Halifax
4.06%	£531.16	5.74%	£1,024	Tracker	5.7% APRC	24m	0m	£13,852	£185,510	43446	115	1024	Barclays
4.09%	£532.82	6.24%	£999	Tracker	6.1% APRC	24m	0m	£13,787	£193,330	42208	344	999	HSBC Intermediary
4.09%	£532.82	7.74%	£1,034	Tracker	7.3% APRC	27m	0m	£14,086	£217,033	48413	57	1034	Leeds B Society
4.14%	£535.60	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£13,368	£196,964	30057	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
4.55%	£558.67	7.74%	£1,534	Fixed	7.4% APRC	27m	27m	£16,495	£218,927	48419	57	1534	Leeds B Society
4.66%	£564.95	6.24%	£999	Fixed	5.8% APRC	62m	62m	£17,138	£189,019	36953	344	999	HSBC Intermediary
4.68%	£566.10	6.49%	£1,024	Fixed	6.5% APRC	26m	26m	£14,709	£199,938	36122	80	1024	Virgin Money
4.68%	£566.10	6.49%	£1,014	Fixed	6.4% APRC	24m	24m	£14,100	£198,350	41993	75	1014	Nationwide B.Soc
4.69%	£566.67	6.94%	£1,510	Fixed	6.6% APRC	39m	39m	£18,173	£203,478	8884	628	1510	Bank of Ireland

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
3.96%	£525.14	7.24%	£1,499	Tracker	6.8% APRC	28m	0m	£14,102	£208,107	35282	42	1499	Halifax
4.06%	£531.16	5.74%	£1,024	Tracker	5.7% APRC	24m	0m	£13,852	£185,510	43446	115	1024	Barclays
4.09%	£532.82	6.24%	£999	Tracker	6.1% APRC	24m	0m	£13,787	£193,330	42208	344	999	HSBC Intermediary
4.09%	£532.82	7.74%	£1,034	Tracker	7.3% APRC	27m	0m	£14,086	£217,033	48413	57	1034	Leeds B Society
4.14%	£535.60	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£13,368	£196,964	30057	75	1014	Nationwide B.Soc

This table is based on a residential property value of £200,000 and a mortgage secured against that property of £100,000 (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 20 May 2026 at 02:30 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.