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
3.66%	£509.25	6.74%	£1,025	Fixed	6.4% APRC	27m	27m	£13,959	£199,304	17467	207	1025	NatWest
3.68%	£510.33	6.49%	£999	Fixed	6.2% APRC	26m	26m	£13,247	£195,686	28334	344	999	HSBC Intermediary
3.69%	£510.87	6.50%	£999	Fixed	6.2% APRC	27m	27m	£14,434	£195,812	46135	1	999	Santander
3.70%	£511.41	5.74%	£1,024	Fixed	5.6% APRC	27m	27m	£15,277	£183,997	1410	115	1024	Barclays
3.70%	£511.41	6.49%	£1,014	Fixed	6.2% APRC	24m	24m	£12,788	£195,826	20227	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
3.66%	£509.25	6.74%	£1,025	Fixed	6.4% APRC	27m	27m	£13,959	£199,304	17467	207	1025	NatWest
3.68%	£510.33	6.49%	£999	Fixed	6.2% APRC	26m	26m	£13,247	£195,686	28334	344	999	HSBC Intermediary
3.69%	£510.87	6.50%	£999	Fixed	6.2% APRC	27m	27m	£14,434	£195,812	46135	1	999	Santander
3.70%	£511.41	5.74%	£1,024	Fixed	5.6% APRC	27m	27m	£15,277	£183,997	1410	115	1024	Barclays
3.70%	£511.41	6.49%	£1,014	Fixed	6.2% APRC	24m	24m	£12,788	£195,826	20227	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
3.86%	£519.66	7.49%	£1,499	Tracker	7.0% APRC	27m	0m	£13,971	£212,204	25768	42	1499	Halifax
3.94%	£524.53	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£13,103	£196,447	51138	75	1014	Nationwide B.Soc
3.94%	£524.53	6.74%	£999	Tracker	6.5% APRC	27m	0m	£13,687	£201,519	30586	80	999	Virgin Money
3.96%	£525.63	5.74%	£1,024	Tracker	5.6% APRC	24m	0m	£13,719	£185,259	64265	115	1024	Barclays
3.99%	£527.28	6.49%	£999	Tracker	6.3% APRC	24m	0m	£13,654	£197,061	28942	344	999	HSBC Intermediary

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 26 Dec 2025 at 04:53 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.