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
3.88%	Fixed	£521.23	6.99%	62m	£1,025	5.9% APRC	62m	£22,101	52244	207	1025	NatWest
3.89%	Fixed	£521.78	6.74%	60m	£1,014	5.8% APRC	60m	£21,147	65373	75	1014	Nationwide B.Soc
3.92%	Fixed	£523.43	6.74%	62m	£1,024	5.8% APRC	62m	£22,741	68154	80	1024	Virgin Money
3.92%	Fixed	£523.43	6.87%	40m	£999	6.2% APRC	40m	£20,867	66381	474	999	Co-operative Bank
3.92%	Fixed	£522.94	7.49%	40m	£999	6.7% APRC	40m	£20,750	38803	42	999	Halifax

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
3.88%	Fixed	£521.23	6.99%	62m	£1,025	5.9% APRC	62m	£22,101	52244	207	1025	NatWest
3.89%	Fixed	£521.78	6.74%	60m	£1,014	5.8% APRC	60m	£21,147	65373	75	1014	Nationwide B.Soc
3.92%	Fixed	£523.43	6.74%	62m	£1,024	5.8% APRC	62m	£22,741	68154	80	1024	Virgin Money
3.92%	Fixed	£523.43	6.87%	40m	£999	6.2% APRC	40m	£20,867	66381	474	999	Co-operative Bank
3.92%	Fixed	£522.94	7.49%	40m	£999	6.7% APRC	40m	£20,750	38803	42	999	Halifax

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
4.59%	Tracker	£560.95	4.59%	0m	£999	4.8% APRC	0m	£21,293	13108	474	999	Co-operative Bank
4.60%	Tracker	£561.52	5.99%	60m	£1,024	5.6% APRC	0m	£21,319	64287	115	1024	Barclays
6.19%	Tracker	£655.97	6.19%	0m	£1,730	6.6% APRC	24m	£25,470	3216	1097	1730	United Trust Bank
6.45%	Tracker	£672.09	6.45%	0m	£1,729	6.8% APRC	0m	£26,099	12182	957	1729	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 08 Nov 2025 at 01:27 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.