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	55110	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
4.39%	Fixed	£549.61	6.94%	39m	£1,510	6.5% APRC	39m	£23,350	87329	628	1510	Bank of Ireland
4.46%	Fixed	£553.56	6.24%	63m	£999	5.7% APRC	63m	£23,438	83116	344	999	HSBC Intermediary

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
4.39%	Fixed	£549.61	6.94%	39m	£1,510	6.5% APRC	39m	£23,350	87329	628	1510	Bank of Ireland
4.46%	Fixed	£553.56	6.24%	63m	£999	5.7% APRC	63m	£23,438	83116	344	999	HSBC Intermediary
4.49%	Fixed	£555.27	6.49%	60m	£1,014	5.9% APRC	60m	£22,364	86071	75	1014	Nationwide B.Soc
4.49%	Fixed	£555.27	6.49%	61m	£1,024	5.9% APRC	61m	£23,904	86916	80	1024	Virgin Money
4.49%	Fixed	£555.27	6.49%	61m	£2,024	6.0% APRC	61m	£24,904	87448	80	2024	Sesame-Virgin

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	55110	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
5.84%	Tracker	£634.56	5.84%	0m	£1,730	6.2% APRC	24m	£24,699	55642	1097	1730	United Trust Bank

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 13 Jul 2026 at 00:57 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.