Best Buys

Type	Initial Period (months)	Initial Rate	Initial Payment	Reverting Rate	Total Fees	2 Year Total Cost	APRC	SchemeID	BaselenderId	TotalFees	LenderName
Fixed	27m	3.64%	£508.16	6.74%	£1,025	£13,933	6.4%	13008	207	1025	NatWest
Fixed	25m	3.66%	£509.25	6.24%	£999	£13,221	6.0%	8619	344	999	HSBC Intermediary
Fixed	26m	3.67%	£509.79	5.74%	£1,024	£12,989	5.6%	6960	115	1024	Barclays
Fixed	28m	3.69%	£510.87	7.24%	£1,495	£15,180	6.8%	19339	313	1495	TSB Bank
Fixed	27m	3.69%	£510.87	6.50%	£999	£14,434	6.2%	25477	1	999	Santander

Type	Initial Period (months)	Initial Rate	Initial Payment	Reverting Rate	Total Fees	2 Year Total Cost	APRC	SchemeID	BaselenderId	TotalFees	LenderName
Fixed	27m	3.64%	£508.16	6.74%	£1,025	£13,933	6.4%	13008	207	1025	NatWest
Fixed	25m	3.66%	£509.25	6.24%	£999	£13,221	6.0%	8619	344	999	HSBC Intermediary
Fixed	26m	3.67%	£509.79	5.74%	£1,024	£12,989	5.6%	6960	115	1024	Barclays
Fixed	27m	3.69%	£510.87	6.50%	£999	£14,434	6.2%	25477	1	999	Santander
Fixed	28m	3.69%	£510.87	7.24%	£1,495	£15,180	6.8%	19339	313	1495	TSB Bank

Type	Initial Period (months)	Initial Rate	Initial Payment	Reverting Rate	Total Fees	2 Year Total Cost	APRC	SchemeID	BaselenderId	TotalFees	LenderName
Tracker	26m	3.86%	£519.66	7.24%	£1,499	£13,971	6.9%	32321	42	1499	Halifax
Tracker	26m	3.94%	£524.53	6.49%	£999	£13,687	6.3%	30586	80	999	Virgin Money
Tracker	24m	3.94%	£524.53	6.49%	£1,014	£13,103	6.3%	51138	75	1014	Nationwide B.Soc
Tracker	24m	3.96%	£525.63	5.74%	£1,024	£13,719	5.6%	64265	115	1024	Barclays
Tracker	24m	3.99%	£527.28	6.24%	£999	£13,654	6.1%	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 23 Jan 2026 at 06:00 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.