Best Buys

Do I Qualify?

Initial Rate	Initial Payment	Reverting Rate	Type	Initial Period (months)	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
3.92%	£628.12	6.94%	Fixed	27m	£244,378	6044	628	1510	Bank of Ireland
3.99%	£632.74	7.74%	Fixed	27m	£260,315	4129	57	1534	Leeds B Society
3.99%	£632.74	6.24%	Fixed	61m	£221,901	8705	344	999	HSBC Intermediary
4.00%	£633.40	6.62%	Fixed	27m	£237,702	24245	474	999	Co-operative Bank
4.03%	£634.80	7.24%	Tracker	26m	£250,485	32464	42	1499	Halifax

Initial Rate	Initial Payment	Reverting Rate	Type	Initial Period (months)	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
3.92%	£628.12	6.94%	Fixed	27m	£244,378	6044	628	1510	Bank of Ireland
3.99%	£632.74	6.24%	Fixed	61m	£221,901	8705	344	999	HSBC Intermediary
3.99%	£632.74	7.74%	Fixed	27m	£260,315	4129	57	1534	Leeds B Society
4.00%	£633.40	6.62%	Fixed	27m	£237,702	24245	474	999	Co-operative Bank
4.04%	£636.06	6.74%	Fixed	63m	£229,028	12885	207	1025	NatWest

Initial Rate	Initial Payment	Reverting Rate	Type	Initial Period (months)	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
4.03%	£634.80	7.24%	Tracker	26m	£250,485	32464	42	1499	Halifax
4.24%	£649.41	6.24%	Tracker	24m	£232,257	29231	344	999	HSBC Intermediary
4.24%	£649.41	6.49%	Tracker	26m	£238,209	30017	80	999	Virgin Money
4.24%	£649.41	6.49%	Tracker	24m	£236,563	51146	75	1014	Nationwide B.Soc
4.43%	£662.24	6.99%	Tracker	27m	£242,395	4283	360	1030	Accord Mortgages

This table is based on a residential property value of £150,000 and a mortgage secured against that property of £120,000 (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 18 Jan 2026 at 05:09 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.