Best Buys

Type	Initial Period (months)	Initial Rate	Initial Payment	Reverting Rate	Total Fees	2 Year Total Cost	APRC	SchemeID	BaselenderId	TotalFees	LenderName
Fixed	25m	3.78%	£515.77	5.74%	£1,024	£13,482	5.6%	16579	115	1024	Barclays
Fixed	26m	3.79%	£516.31	6.50%	£999	£13,365	6.2%	66743	1	999	Santander
Fixed	28m	3.79%	£515.84	7.24%	£999	£14,329	6.7%	76229	42	999	Halifax
Fixed	27m	3.82%	£517.95	6.24%	£999	£14,285	6.0%	70867	344	999	HSBC Intermediary
Fixed	27m	3.84%	£519.04	6.94%	£1,510	£16,063	6.6%	76893	628	1510	Bank of Ireland

Type	Initial Period (months)	Initial Rate	Initial Payment	Reverting Rate	Total Fees	2 Year Total Cost	APRC	SchemeID	BaselenderId	TotalFees	LenderName
Fixed	25m	3.78%	£515.77	5.74%	£1,024	£13,482	5.6%	16579	115	1024	Barclays
Fixed	26m	3.79%	£516.31	6.50%	£999	£13,365	6.2%	66743	1	999	Santander
Fixed	28m	3.79%	£515.84	7.24%	£999	£14,329	6.7%	76229	42	999	Halifax
Fixed	27m	3.82%	£517.95	6.24%	£999	£14,285	6.0%	70867	344	999	HSBC Intermediary
Fixed	27m	3.84%	£519.04	6.94%	£1,510	£16,063	6.6%	76893	628	1510	Bank of Ireland

Type	Initial Period (months)	Initial Rate	Initial Payment	Reverting Rate	Total Fees	2 Year Total Cost	APRC	SchemeID	BaselenderId	TotalFees	LenderName
Tracker	28m	3.98%	£526.24	7.24%	£1,499	£14,129	6.8%	63458	42	1499	Halifax
Tracker	24m	4.04%	£530.05	6.24%	£999	£13,720	6.1%	28951	344	999	HSBC Intermediary
Tracker	25m	4.04%	£530.05	6.49%	£999	£13,819	6.4%	30540	80	999	Virgin Money
Tracker	24m	4.04%	£530.05	6.49%	£1,014	£13,235	6.3%	51141	75	1014	Nationwide B.Soc
Tracker	27m	4.10%	£533.37	7.74%	£1,034	£14,099	7.3%	62759	57	1034	Leeds B Society

This table is based on a residential property value of £150,000 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 Feb 2026 at 02:53 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.