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
4.14%	£535.60	7.19%	£1,510	Fixed	6.9% APRC	27m	27m	£16,464	£208,604	8731	628	1510	Bank of Ireland
4.16%	£536.71	6.49%	£999	Fixed	5.7% APRC	62m	62m	£16,452	£188,954	14771	344	999	HSBC Intermediary
4.19%	£538.38	7.99%	£1,499	Fixed	6.7% APRC	60m	60m	£17,128	£208,962	44225	156	1499	Scottish B.Soc
4.20%	£538.94	5.99%	£1,024	Fixed	5.4% APRC	63m	63m	£17,850	£183,132	10648	115	1024	Barclays
4.21%	£538.99	7.49%	£999	Fixed	6.3% APRC	63m	63m	£17,746	£201,118	42756	42	999	Halifax

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
4.14%	£535.60	7.19%	£1,510	Fixed	6.9% APRC	27m	27m	£16,464	£208,604	8731	628	1510	Bank of Ireland
4.16%	£536.71	6.49%	£999	Fixed	5.7% APRC	62m	62m	£16,452	£188,954	14771	344	999	HSBC Intermediary
4.19%	£538.38	7.99%	£1,499	Fixed	6.7% APRC	60m	60m	£17,128	£208,962	44225	156	1499	Scottish B.Soc
4.20%	£538.94	5.99%	£1,024	Fixed	5.4% APRC	63m	63m	£17,850	£183,132	10648	115	1024	Barclays
4.21%	£538.99	7.49%	£999	Fixed	6.3% APRC	63m	63m	£17,746	£201,118	42756	42	999	Halifax

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
4.28%	£542.90	7.49%	£1,499	Tracker	7.1% APRC	27m	0m	£14,529	£213,471	42404	42	1499	Halifax
4.49%	£555.27	6.49%	£999	Tracker	6.4% APRC	24m	0m	£13,975	£197,998	21337	344	999	HSBC Intermediary
4.49%	£555.27	6.74%	£1,014	Tracker	6.6% APRC	24m	0m	£13,840	£201,907	26757	75	1014	Nationwide B.Soc
4.64%	£563.81	6.74%	£995	Tracker	6.7% APRC	26m	26m	£14,625	£203,798	41262	80	995	Virgin Money
4.64%	£563.81	7.24%	£1,030	Tracker	6.7% APRC	26m	0m	£14,651	£206,198	54695	360	1030	Accord Mortgages

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 18 Sep 2025 at 05:17 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.