Best Buys

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	Overall Cost for Comparison	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.15%	£536.15	6.49%	£660.46	£15	Fixed	6.0% APRC	£18,816	28172	75	15	Nationwide B.Soc
4.39%	£549.61	6.94%	£686.64	£15	Fixed	6.4% APRC	£19,496	77708	628	15	Bank of Ireland
4.09%	£532.82	4.09%	£532.82	£575	Variable	4.2% APRC	£19,757	27376	48	575	Ecology B.Soc
4.05%	£530.10	7.24%	£699.27	£0	Fixed	6.4% APRC	£19,760	76396	42	0	Halifax
3.99%	£527.28	6.00%	£632.28	£850	Variable	5.7% APRC	£19,932	2768	76	850	Newbury

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	Overall Cost for Comparison	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.15%	£536.15	6.49%	£660.46	£15	Fixed	6.0% APRC	£18,816	28172	75	15	Nationwide B.Soc
4.39%	£549.61	6.94%	£686.64	£15	Fixed	6.4% APRC	£19,496	77708	628	15	Bank of Ireland
4.05%	£530.10	7.24%	£699.27	£0	Fixed	6.4% APRC	£19,760	76396	42	0	Halifax
4.15%	£541.92	6.60%	£664.01	£30	Fixed	5.8% APRC	£20,016	72297	267	30	AIB
4.15%	£536.15	6.50%	£659.80	£0	Fixed	6.0% APRC	£20,204	36365	1	0	Santander

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	Overall Cost for Comparison	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.35%	£547.35	5.74%	£614.77	£1,024	Tracker	5.4% APRC	£20,559	64289	115	1024	Barclays
4.34%	£546.79	4.34%	£546.79	£999	Tracker	4.5% APRC	£20,783	13108	474	999	Co-operative Bank
5.54%	£616.48	5.54%	£616.48	£1,730	Tracker	5.9% APRC	£24,048	41569	1097	1730	United Trust Bank
6.20%	£656.58	6.20%	£656.58	£1,729	Tracker	6.6% APRC	£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 20 Feb 2026 at 01:15 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.