Best Buys

Initial Rate	Type	Initial Payment	Reverting Rate	Initial Period (months)	Total Fees	Overall Cost for Comparison	Early Repayment Charge	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.34%	Tracker	£546.79	4.34%	0m	£999	4.5% APRC	0m	£20,783	21747	474	999	Co-operative Bank
4.35%	Tracker	£547.35	5.74%	60m	£1,024	5.4% APRC	0m	£20,809	64287	115	1024	Barclays
4.69%	Variable	£566.67	6.00%	36m	£0	5.8% APRC	36m	£20,500	16896	76	0	Newbury
4.70%	Tracker	£567.25	6.31%	62m	£999	5.9% APRC	62m	£22,016	13313	77	999	Newcastle
4.89%	Variable	£578.20	4.89%	0m	£719	5.1% APRC	24m	£21,534	85114	48	719	Ecology B.Soc

Initial Rate	Type	Initial Payment	Reverting Rate	Initial Period (months)	Total Fees	Overall Cost for Comparison	Early Repayment Charge	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
5.07%	Fixed	£588.68	6.50%	38m	£999	6.4% APRC	38m	£22,416	112564	1	999	Santander
5.08%	Fixed	£589.26	6.24%	63m	£999	6.0% APRC	63m	£24,739	106891	344	999	HSBC Intermediary
5.08%	Fixed	£589.26	6.74%	63m	£1,025	6.3% APRC	63m	£25,981	110470	207	1025	NatWest
5.09%	Fixed	£589.85	6.49%	36m	£1,014	6.4% APRC	36m	£21,749	47120	75	1014	Nationwide B.Soc
5.12%	Fixed	£591.60	5.74%	38m	£1,024	5.8% APRC	38m	£22,402	28197	115	1024	Barclays

Initial Rate	Type	Initial Payment	Reverting Rate	Initial Period (months)	Total Fees	Overall Cost for Comparison	Early Repayment Charge	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.34%	Tracker	£546.79	4.34%	0m	£999	4.5% APRC	0m	£20,783	21747	474	999	Co-operative Bank
4.35%	Tracker	£547.35	5.74%	60m	£1,024	5.4% APRC	0m	£20,809	64287	115	1024	Barclays
4.70%	Tracker	£567.25	6.31%	62m	£999	5.9% APRC	62m	£22,016	13313	77	999	Newcastle
6.04%	Tracker	£646.75	6.04%	0m	£1,730	6.4% APRC	24m	£25,138	40279	1097	1730	United Trust Bank
6.10%	Tracker	£650.43	6.10%	0m	£1,530	6.5% APRC	0m	£25,120	4607	957	1530	West One

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 14 Oct 2026 at 01:05 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.