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Type	Initial Rate	Initial Payment	Reverting Rate	Total Fees	Early Repayment Charge	Initial Period (months)	Overall Cost for Comparison	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
Fixed	4.14%	£535.60	6.49%	£15	24m	24m	6.2% APRC	£12,369	24580	75	15	Nationwide B.Soc
Fixed	4.19%	£538.38	7.74%	£0	24m	24m	7.3% APRC	£12,771	44338	156	0	Scottish B.Soc
Variable	4.34%	£546.79	7.34%	£25	24m	24m	7.0% APRC	£12,848	23233	6	25	Beverley BS
Fixed	4.34%	£546.79	6.24%	£0	26m	26m	6.0% APRC	£12,748	75877	686	0	West Brom BS
Fixed	4.35%	£547.35	6.94%	£15	26m	26m	6.6% APRC	£12,846	77696	628	15	Bank of Ireland

Type	Initial Rate	Initial Payment	Reverting Rate	Total Fees	Early Repayment Charge	Initial Period (months)	Overall Cost for Comparison	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
Fixed	4.07%	£531.82	7.99%	£1,019	24m	24m	7.6% APRC	£12,883	76660	198	1019	Furness B.Soc
Fixed	4.14%	£535.60	6.49%	£15	24m	24m	6.2% APRC	£12,369	24580	75	15	Nationwide B.Soc
Fixed	4.19%	£538.38	7.74%	£0	24m	24m	7.3% APRC	£12,771	44338	156	0	Scottish B.Soc
Fixed	4.34%	£546.79	6.24%	£0	26m	26m	6.0% APRC	£12,748	75877	686	0	West Brom BS
Fixed	4.35%	£547.35	6.94%	£15	26m	26m	6.6% APRC	£12,846	77696	628	15	Bank of Ireland

Type	Initial Rate	Initial Payment	Reverting Rate	Total Fees	Early Repayment Charge	Initial Period (months)	Overall Cost for Comparison	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
Tracker	3.94%	£524.53	6.49%	£1,014	0m	24m	6.3% APRC	£13,103	51138	75	1014	Nationwide B.Soc
Tracker	3.99%	£527.28	6.24%	£999	0m	24m	6.1% APRC	£13,304	32159	344	999	HSBC Intermediary
Tracker	4.00%	£527.84	6.50%	£999	0m	24m	6.3% APRC	£13,642	1739	1	999	Santander
Tracker	4.25%	£541.74	5.74%	£25	24m	24m	5.6% APRC	£12,857	64275	115	25	Barclays
Tracker	4.57%	£559.81	6.74%	£30	27m	27m	6.5% APRC	£13,354	78166	207	30	NatWest

This table is based on a property value of £200,000 and a mortgage of £100,000 calculated on a capital and interest basis (repayment mortgage) over 25 years.

Source: Mortgage Brain. This information was last revised on 19 Feb 2026 at 01:26 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.