Best Buys

Initial Rate	Initial Payment	Reverting Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
3.99%	£527.28	£663.67	6.49%	£0	Fixed	6.1% APRC	26m	26m	£12,005	31830	344	0	HSBC Intermediary
3.92%	£528.93	£692.72	6.85%	£30	Fixed	6.5% APRC	26m	26m	£12,079	9698	267	30	AIB
3.99%	£527.28	£664.52	6.49%	£15	Fixed	6.2% APRC	24m	24m	£12,170	2596	75	15	Nationwide B.Soc
4.14%	£535.60	£723.37	7.49%	£0	Fixed	7.0% APRC	26m	26m	£12,554	18594	313	0	TSB Bank
4.20%	£538.94	£724.83	7.49%	£0	Fixed	7.1% APRC	24m	24m	£12,605	45642	23	0	Progressive B.Soc.

Initial Rate	Initial Payment	Reverting Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
3.99%	£527.28	£663.67	6.49%	£0	Fixed	6.1% APRC	26m	26m	£12,005	31830	344	0	HSBC Intermediary
3.92%	£528.93	£692.72	6.85%	£30	Fixed	6.5% APRC	26m	26m	£12,079	9698	267	30	AIB
3.99%	£527.28	£664.52	6.49%	£15	Fixed	6.2% APRC	24m	24m	£12,170	2596	75	15	Nationwide B.Soc
4.14%	£535.60	£723.37	7.49%	£0	Fixed	7.0% APRC	26m	26m	£12,554	18594	313	0	TSB Bank
4.20%	£538.94	£724.83	7.49%	£0	Fixed	7.1% APRC	24m	24m	£12,605	45642	23	0	Progressive B.Soc.

Initial Rate	Initial Payment	Reverting Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.25%	£541.74	£622.75	5.74%	£25	Tracker	5.6% APRC	24m	24m	£12,857	64275	115	25	Barclays
3.94%	£524.53	£664.29	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£13,103	51138	75	1014	Nationwide B.Soc
4.47%	£554.13	£680.16	6.74%	£30	Tracker	6.4% APRC	27m	27m	£13,218	26086	207	30	NatWest
3.99%	£527.28	£664.52	6.49%	£999	Tracker	6.3% APRC	24m	0m	£13,304	32156	344	999	HSBC Intermediary
4.00%	£527.84	£665.15	6.50%	£999	Tracker	6.3% APRC	24m	0m	£13,642	60038	1	999	Santander

This table is based on a property value of £200,000 and a mortgage secured against that property of £100,000 calculated on a capital and interest basis (repayment mortgage) over 25 years.

Source: Mortgage Brain. This information was last revised on 25 Dec 2025 at 06:29 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.