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
3.66%	£509.25	6.99%	£690.50	£1,025	Fixed	6.6% APRC	£13,959	17467	207	1025	NatWest
3.68%	£510.33	6.49%	£662.11	£999	Fixed	6.2% APRC	£13,247	28334	344	999	HSBC Intermediary
3.69%	£510.87	6.50%	£662.25	£999	Fixed	6.2% APRC	£14,434	46135	1	999	Santander
3.70%	£511.41	5.74%	£619.36	£1,024	Fixed	5.6% APRC	£15,277	1410	115	1024	Barclays
3.70%	£511.41	6.49%	£663.18	£1,014	Fixed	6.2% APRC	£12,788	20227	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
3.66%	£509.25	6.99%	£690.50	£1,025	Fixed	6.6% APRC	£13,959	17467	207	1025	NatWest
3.68%	£510.33	6.49%	£662.11	£999	Fixed	6.2% APRC	£13,247	28334	344	999	HSBC Intermediary
3.69%	£510.87	6.50%	£662.25	£999	Fixed	6.2% APRC	£14,434	46135	1	999	Santander
3.70%	£511.41	5.74%	£619.36	£1,024	Fixed	5.6% APRC	£15,277	1410	115	1024	Barclays
3.70%	£511.41	6.49%	£663.18	£1,014	Fixed	6.2% APRC	£12,788	20227	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
3.86%	£519.66	7.49%	£720.42	£1,499	Tracker	7.0% APRC	£13,971	25768	42	1499	Halifax
3.94%	£524.53	6.49%	£664.29	£1,014	Tracker	6.3% APRC	£13,103	51138	75	1014	Nationwide B.Soc
3.94%	£524.53	6.74%	£679.69	£999	Tracker	6.5% APRC	£13,687	30586	80	999	Virgin Money
3.96%	£525.63	5.74%	£621.52	£1,024	Tracker	5.6% APRC	£13,719	64265	115	1024	Barclays
3.99%	£527.28	6.49%	£664.52	£999	Tracker	6.3% APRC	£13,654	28942	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 19 Dec 2025 at 04:47 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.