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
3.76%	£514.68	6.74%	£1,025	Fixed	6.4% APRC	26m	26m	£13,377	£199,902	42296	207	1025	NatWest
3.84%	£519.04	6.74%	£1,024	Fixed	6.4% APRC	26m	26m	£13,580	£200,228	13678	163	1024	Clydesdale Bank PLC
3.85%	£519.59	5.74%	£1,024	Fixed	5.4% APRC	39m	39m	£15,475	£182,214	42515	115	1024	Barclays
3.89%	£521.78	6.29%	£1,495	Fixed	6.1% APRC	28m	28m	£15,206	£193,139	11430	140	1495	Skipton B.Society
3.92%	£523.43	6.50%	£999	Fixed	6.2% APRC	26m	26m	£13,786	£196,742	47904	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
3.76%	£514.68	6.74%	£1,025	Fixed	6.4% APRC	26m	26m	£13,377	£199,902	42296	207	1025	NatWest
3.84%	£519.04	6.74%	£1,024	Fixed	6.4% APRC	26m	26m	£13,580	£200,228	13678	163	1024	Clydesdale Bank PLC
3.85%	£519.59	5.74%	£1,024	Fixed	5.4% APRC	39m	39m	£15,475	£182,214	42515	115	1024	Barclays
3.89%	£521.78	6.29%	£1,495	Fixed	6.1% APRC	28m	28m	£15,206	£193,139	11430	140	1495	Skipton B.Society
3.92%	£523.43	6.50%	£999	Fixed	6.2% APRC	26m	26m	£13,786	£196,742	47904	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
3.94%	£524.53	6.49%	£999	Tracker	6.3% APRC	26m	0m	£13,687	£197,851	9106	80	999	Virgin Money
3.94%	£524.53	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£13,103	£196,447	51138	75	1014	Nationwide B.Soc
3.96%	£525.14	7.24%	£1,499	Tracker	6.9% APRC	27m	0m	£14,102	£208,446	12680	42	1499	Halifax
3.99%	£527.28	6.24%	£999	Tracker	6.1% APRC	24m	0m	£13,654	£193,076	28942	344	999	HSBC Intermediary
4.01%	£528.39	5.74%	£1,024	Tracker	5.7% APRC	24m	0m	£13,785	£185,386	37289	115	1024	Barclays

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 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.