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
4.23%	£540.10	7.24%	£1,499	Tracker	7.0% APRC	26m	0m	£14,461	£209,561	109308	42	1499	Halifax
4.32%	£545.67	6.74%	£1,025	Tracker	6.5% APRC	27m	27m	£14,359	£201,237	105539	207	1025	NatWest
4.33%	£546.23	6.49%	£1,014	Tracker	6.4% APRC	24m	0m	£13,624	£197,453	52404	75	1014	Nationwide B.Soc
4.44%	£552.43	6.49%	£1,024	Tracker	6.5% APRC	25m	0m	£14,381	£199,505	59491	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
5.20%	£596.30	6.74%	£1,525	Fixed	6.4% APRC	63m	63m	£19,911	£198,908	105522	207	1525	NatWest
5.21%	£596.89	6.94%	£1,510	Fixed	6.8% APRC	38m	38m	£17,948	£205,785	90005	628	1510	Bank of Ireland
5.29%	£601.61	6.24%	£999	Fixed	6.1% APRC	63m	63m	£18,891	£192,811	106904	344	999	HSBC Intermediary
5.29%	£601.61	6.49%	£1,024	Fixed	6.3% APRC	61m	61m	£18,440	£196,718	59772	80	1024	Virgin Money
5.29%	£601.61	7.24%	£995	Fixed	7.0% APRC	37m	37m	£16,873	£210,113	90690	313	995	TSB Bank

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
4.23%	£540.10	7.24%	£1,499	Tracker	7.0% APRC	26m	0m	£14,461	£209,561	109308	42	1499	Halifax
4.32%	£545.67	6.74%	£1,025	Tracker	6.5% APRC	27m	27m	£14,359	£201,237	105539	207	1025	NatWest
4.33%	£546.23	6.49%	£1,014	Tracker	6.4% APRC	24m	0m	£13,624	£197,453	52404	75	1014	Nationwide B.Soc
4.44%	£552.43	6.49%	£1,024	Tracker	6.5% APRC	25m	0m	£14,381	£199,505	59491	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 02 Oct 2026 at 03:09 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.