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	56784	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
4.39%	Variable	£549.61	6.00%	36m	£0	5.7% APRC	36m	£19,886	38087	76	0	Newbury
4.60%	Fixed	£561.52	6.94%	40m	£1,510	6.6% APRC	40m	£23,782	34789	628	1510	Bank of Ireland
4.64%	Fixed	£563.81	6.50%	39m	£999	6.2% APRC	39m	£22,453	56242	1	999	Santander

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
4.60%	Fixed	£561.52	6.94%	40m	£1,510	6.6% APRC	40m	£23,782	34789	628	1510	Bank of Ireland
4.64%	Fixed	£563.81	6.50%	39m	£999	6.2% APRC	39m	£22,453	56242	1	999	Santander
4.66%	Fixed	£564.95	6.24%	62m	£999	5.8% APRC	62m	£23,015	65646	344	999	HSBC Intermediary
4.66%	Fixed	£564.95	6.49%	36m	£1,014	6.3% APRC	36m	£20,852	36106	75	1014	Nationwide B.Soc
4.67%	Fixed	£565.53	5.74%	40m	£1,024	5.7% APRC	40m	£23,327	76864	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	56784	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
5.49%	Discount	£613.49	5.49%	0m	£1,289	5.8% APRC	0m	£22,375	93925	48	1289	Ecology B.Soc
5.84%	Tracker	£634.56	5.84%	0m	£1,730	6.2% APRC	24m	£24,699	55642	1097	1730	United Trust Bank
6.20%	Tracker	£656.58	6.20%	0m	£1,729	6.6% APRC	0m	£25,541	39251	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 29 Aug 2026 at 00:59 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.