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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	25m	25m	6.2% APRC	£12,005	31831	344	0	HSBC Intermediary
Fixed	4.04%	£530.05	6.74%	£30	26m	26m	6.4% APRC	£12,401	19870	207	30	NatWest
Fixed	4.04%	£530.05	5.74%	£25	26m	26m	5.5% APRC	£12,326	1958	115	25	Barclays
Fixed	4.14%	£535.60	7.49%	£0	25m	25m	7.0% APRC	£12,554	18594	313	0	TSB Bank

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	25m	25m	6.2% 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	4.04%	£530.05	5.74%	£25	26m	26m	5.5% APRC	£12,326	1958	115	25	Barclays
Fixed	4.04%	£530.05	6.74%	£30	26m	26m	6.4% APRC	£12,401	19870	207	30	NatWest
Fixed	4.14%	£535.60	7.49%	£0	25m	25m	7.0% APRC	£12,554	18594	313	0	TSB Bank

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	4.25%	£541.74	5.74%	£25	24m	24m	5.6% APRC	£12,857	64275	115	25	Barclays
Tracker	4.40%	£550.17	6.80%	£8	26m	26m	6.3% APRC	£13,277	73249	90	8	Principality
Tracker	4.47%	£554.13	6.74%	£30	26m	26m	6.4% APRC	£12,979	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 03 Jan 2026 at 02:23 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.