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
3.73%	Fixed	£512.58	7.24%	39m	£999	6.5% APRC	39m	£20,375	75959	42	999	Halifax
3.75%	Fixed	£514.13	5.74%	40m	£1,024	5.4% APRC	40m	£21,459	37505	115	1024	Barclays
3.80%	Fixed	£516.86	6.49%	36m	£1,014	6.0% APRC	36m	£19,121	14310	75	1014	Nationwide B.Soc
3.81%	Fixed	£517.40	6.24%	63m	£999	5.4% APRC	63m	£22,120	70880	344	999	HSBC Intermediary
3.82%	Fixed	£517.95	6.50%	39m	£999	6.0% APRC	39m	£20,794	36358	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
3.73%	Fixed	£512.58	7.24%	39m	£999	6.5% APRC	39m	£20,375	75959	42	999	Halifax
3.75%	Fixed	£514.13	5.74%	40m	£1,024	5.4% APRC	40m	£21,459	37505	115	1024	Barclays
3.80%	Fixed	£516.86	6.49%	36m	£1,014	6.0% APRC	36m	£19,121	14310	75	1014	Nationwide B.Soc
3.81%	Fixed	£517.40	6.24%	63m	£999	5.4% APRC	63m	£22,120	70880	344	999	HSBC Intermediary
3.82%	Fixed	£517.95	6.50%	39m	£999	6.0% APRC	39m	£20,794	36358	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
4.34%	Tracker	£546.79	4.34%	0m	£999	4.5% APRC	0m	£20,783	13108	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
5.54%	Tracker	£616.48	5.54%	0m	£1,730	5.9% APRC	24m	£24,048	41569	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 24 Feb 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.