Best Buys

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	Overall Cost for Comparison	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
3.96%	£525.14	7.24%	£706.69	£1,499	Tracker	6.9% APRC	£14,102	47515	42	1499	Halifax
4.04%	£530.05	5.74%	£621.86	£1,024	Tracker	5.7% APRC	£13,825	26761	115	1024	Barclays
4.04%	£530.05	6.49%	£664.75	£1,014	Tracker	6.3% APRC	£13,235	86270	75	1014	Nationwide B.Soc
4.05%	£530.60	6.24%	£650.35	£999	Tracker	6.1% APRC	£13,733	23635	344	999	HSBC Intermediary
4.09%	£532.82	7.74%	£738.19	£1,034	Tracker	7.3% APRC	£14,086	81972	57	1034	Leeds B Society

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	Overall Cost for Comparison	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.35%	£547.35	6.94%	£691.26	£1,510	Fixed	6.7% APRC	£16,749	87341	628	1510	Bank of Ireland
4.39%	£549.61	5.74%	£622.89	£1,024	Fixed	5.7% APRC	£14,295	88227	115	1024	Barclays
4.40%	£550.17	6.24%	£650.96	£999	Fixed	6.1% APRC	£15,062	83091	344	999	HSBC Intermediary
4.41%	£550.74	6.49%	£666.06	£2,024	Fixed	6.5% APRC	£15,341	87435	80	2024	Openwork-Virgin
4.42%	£551.30	6.49%	£666.45	£1,014	Fixed	6.4% APRC	£13,745	85773	75	1014	Nationwide B.Soc

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	Overall Cost for Comparison	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
3.96%	£525.14	7.24%	£706.69	£1,499	Tracker	6.9% APRC	£14,102	47515	42	1499	Halifax
4.04%	£530.05	5.74%	£621.86	£1,024	Tracker	5.7% APRC	£13,825	26761	115	1024	Barclays
4.04%	£530.05	6.49%	£664.75	£1,014	Tracker	6.3% APRC	£13,235	86270	75	1014	Nationwide B.Soc
4.05%	£530.60	6.24%	£650.35	£999	Tracker	6.1% APRC	£13,733	23635	344	999	HSBC Intermediary
4.09%	£532.82	7.74%	£738.19	£1,034	Tracker	7.3% APRC	£14,086	81972	57	1034	Leeds B Society

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 13 Jul 2026 at 02:33 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.