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	6.9% APRC	27m	0m	£14,102	£208,446	12680	42	1499	Halifax
4.01%	£528.39	5.74%	£1,024	Tracker	5.7% APRC	24m	0m	£13,785	£185,386	37289	115	1024	Barclays
4.04%	£530.05	6.49%	£999	Tracker	6.3% APRC	26m	0m	£13,819	£198,132	37090	80	999	Virgin Money
4.04%	£530.05	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£13,235	£196,706	56050	75	1014	Nationwide B.Soc
4.19%	£538.38	6.24%	£999	Tracker	6.1% APRC	24m	0m	£13,920	£193,585	94944	344	999	HSBC Intermediary

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
4.51%	£556.40	6.74%	£1,025	Fixed	6.5% APRC	27m	27m	£15,095	£201,786	14580	207	1025	NatWest
4.55%	£558.67	6.24%	£999	Fixed	6.2% APRC	26m	26m	£14,407	£194,161	80417	344	999	HSBC Intermediary
4.57%	£559.81	6.50%	£999	Fixed	6.4% APRC	27m	27m	£15,365	£198,103	91607	1	999	Santander
4.65%	£564.38	5.74%	£1,024	Fixed	5.7% APRC	39m	39m	£16,560	£185,384	74100	115	1024	Barclays
4.68%	£566.10	6.49%	£1,014	Fixed	6.0% APRC	60m	60m	£16,968	£192,038	52872	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
3.96%	£525.14	7.24%	£1,499	Tracker	6.9% APRC	27m	0m	£14,102	£208,446	12680	42	1499	Halifax
4.01%	£528.39	5.74%	£1,024	Tracker	5.7% APRC	24m	0m	£13,785	£185,386	37289	115	1024	Barclays
4.04%	£530.05	6.49%	£999	Tracker	6.3% APRC	26m	0m	£13,819	£198,132	37090	80	999	Virgin Money
4.04%	£530.05	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£13,235	£196,706	56050	75	1014	Nationwide B.Soc
4.19%	£538.38	6.24%	£999	Tracker	6.1% APRC	24m	0m	£13,920	£193,585	94944	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 Mar 2026 at 02:34 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.