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
3.64%	£508.16	6.74%	£676.37	£1,025	Fixed	6.4% APRC	£12,871	13038	207	1025	NatWest
3.66%	£509.25	6.24%	£647.25	£999	Fixed	5.9% APRC	£14,075	57938	344	999	HSBC Intermediary
3.69%	£510.87	6.50%	£662.74	£999	Fixed	6.2% APRC	£13,235	66640	1	999	Santander
3.69%	£510.87	7.24%	£705.38	£1,495	Fixed	6.8% APRC	£15,180	19339	313	1495	TSB Bank
3.75%	£514.13	5.74%	£616.24	£1,024	Fixed	5.4% APRC	£15,343	2016	115	1024	Barclays

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	Overall Cost for Comparison	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
3.64%	£508.16	6.74%	£676.37	£1,025	Fixed	6.4% APRC	£12,871	13038	207	1025	NatWest
3.66%	£509.25	6.24%	£647.25	£999	Fixed	5.9% APRC	£14,075	57938	344	999	HSBC Intermediary
3.69%	£510.87	6.50%	£662.74	£999	Fixed	6.2% APRC	£13,235	66640	1	999	Santander
3.69%	£510.87	7.24%	£705.38	£1,495	Fixed	6.8% APRC	£15,180	19339	313	1495	TSB Bank
3.75%	£514.13	5.74%	£616.24	£1,024	Fixed	5.4% APRC	£15,343	2016	115	1024	Barclays

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	7.24%	£704.96	£1,499	Tracker	6.8% APRC	£13,971	63450	42	1499	Halifax
3.94%	£524.53	6.49%	£666.20	£999	Tracker	6.3% APRC	£13,687	30586	80	999	Virgin Money
3.94%	£524.53	6.49%	£664.29	£1,014	Tracker	6.3% APRC	£13,103	51138	75	1014	Nationwide B.Soc
3.96%	£525.63	5.74%	£621.52	£1,024	Tracker	5.6% APRC	£13,719	64265	115	1024	Barclays
3.99%	£527.28	6.24%	£650.08	£999	Tracker	6.1% 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 03 Feb 2026 at 02:39 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.