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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	3.99%	£527.28	6.49%	£15	24m	24m	6.2% APRC	£12,170	2596	75	15	Nationwide B.Soc
Fixed	3.99%	£527.28	6.49%	£0	26m	26m	6.1% APRC	£12,005	31831	344	0	HSBC Intermediary
Fixed	4.14%	£535.60	7.49%	£0	26m	26m	7.0% APRC	£12,554	18594	313	0	TSB Bank
Tracker	4.25%	£541.74	5.74%	£25	24m	24m	5.6% APRC	£12,857	64275	115	25	Barclays
Variable	4.49%	£555.27	7.49%	£25	24m	24m	7.1% APRC	£13,051	23233	6	25	Beverley BS

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	3.99%	£527.28	6.49%	£0	26m	26m	6.1% APRC	£12,005	31831	344	0	HSBC Intermediary
Fixed	3.99%	£527.28	6.49%	£15	24m	24m	6.2% APRC	£12,170	2596	75	15	Nationwide B.Soc
Fixed	4.08%	£532.26	7.74%	£35	26m	26m	7.2% APRC	£13,073	17649	57	35	Leeds B Society
Fixed	4.14%	£535.60	7.49%	£0	26m	26m	7.0% APRC	£12,554	18594	313	0	TSB Bank
Fixed	4.44%	£552.43	7.74%	£0	24m	24m	7.3% APRC	£13,108	1029	156	0	Scottish B.Soc

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	6.49%	£999	0m	24m	6.3% APRC	£13,304	32159	344	999	HSBC Intermediary
Tracker	4.00%	£527.84	6.50%	£999	0m	24m	6.3% APRC	£13,642	60038	1	999	Santander
Tracker	4.25%	£541.74	5.74%	£25	24m	24m	5.6% APRC	£12,857	64275	115	25	Barclays
Tracker	4.72%	£568.39	6.99%	£30	27m	27m	6.7% APRC	£13,560	26086	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 21 Dec 2025 at 02:07 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.