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
4.13%	£534.53	7.24%	£1,499	Tracker	6.9% APRC	28m	0m	£14,328	£208,634	35301	42	1499	Halifax
4.24%	£541.18	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£13,502	£197,222	30462	75	1014	Nationwide B.Soc
4.44%	£552.43	6.24%	£999	Tracker	6.2% APRC	24m	0m	£14,257	£194,223	42226	344	999	HSBC Intermediary
4.44%	£552.43	6.49%	£1,024	Tracker	6.4% APRC	26m	0m	£14,381	£199,272	35936	80	1024	Virgin Money
4.48%	£554.70	5.74%	£1,024	Tracker	5.8% APRC	24m	0m	£14,417	£186,558	64307	115	1024	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
4.79%	£572.42	6.94%	£1,510	Fixed	6.8% APRC	27m	27m	£17,356	£206,480	12152	628	1510	Bank of Ireland
4.80%	£573.00	7.74%	£1,534	Fixed	7.5% APRC	27m	27m	£16,841	£219,679	48431	57	1534	Leeds B Society
4.91%	£579.36	6.24%	£1,499	Fixed	6.3% APRC	26m	26m	£15,029	£195,268	45488	686	1499	West Brom BS
4.94%	£581.10	6.24%	£999	Fixed	5.9% APRC	62m	62m	£17,530	£190,744	36966	344	999	HSBC Intermediary
4.94%	£581.10	6.49%	£1,024	Fixed	6.1% APRC	62m	62m	£18,899	£194,411	36353	80	1024	Virgin Money

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
4.13%	£534.53	7.24%	£1,499	Tracker	6.9% APRC	28m	0m	£14,328	£208,634	35301	42	1499	Halifax
4.24%	£541.18	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£13,502	£197,222	30462	75	1014	Nationwide B.Soc
4.44%	£552.43	6.24%	£999	Tracker	6.2% APRC	24m	0m	£14,257	£194,223	42226	344	999	HSBC Intermediary
4.44%	£552.43	6.49%	£1,024	Tracker	6.4% APRC	26m	0m	£14,381	£199,272	35936	80	1024	Virgin Money
4.48%	£554.70	5.74%	£1,024	Tracker	5.8% APRC	24m	0m	£14,417	£186,558	64307	115	1024	Barclays

This table is based on a residential property value of £125,000 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 21 May 2026 at 02:32 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.