Best Buys

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	APRC	Initial Period (months)	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
3.81%	£517.40	6.49%	£663.69	£15	Fixed	6.1%	24m	£12,433	1503	75	15	Nationwide B.Soc
3.89%	£521.78	6.49%	£663.17	£17	Fixed	6.1%	26m	£12,190	15127	344	17	HSBC Intermediary
3.99%	£527.39	8.09%	£760.61	£1,019	Fixed	7.6%	24m	£12,776	5264	198	1019	Furness B.Soc
4.04%	£530.05	7.49%	£722.83	£0	Fixed	7.0%	26m	£12,471	358	313	0	TSB Bank
4.27%	£542.86	7.19%	£706.10	£15	Fixed	6.8%	26m	£12,939	7087	628	15	Bank of Ireland

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	APRC	Initial Period (months)	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
3.81%	£517.40	6.49%	£663.69	£15	Fixed	6.1%	24m	£12,433	1503	75	15	Nationwide B.Soc
3.89%	£521.78	6.49%	£663.17	£17	Fixed	6.1%	26m	£12,190	15127	344	17	HSBC Intermediary
3.99%	£527.39	8.09%	£760.61	£1,019	Fixed	7.6%	24m	£12,776	5264	198	1019	Furness B.Soc
4.04%	£530.05	7.49%	£722.83	£0	Fixed	7.0%	26m	£12,471	358	313	0	TSB Bank
4.27%	£542.86	7.19%	£706.10	£15	Fixed	6.8%	26m	£12,939	7087	628	15	Bank of Ireland

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	APRC	Initial Period (months)	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
3.94%	£524.53	6.49%	£664.29	£1,016	Tracker	6.3%	24m	£13,255	24356	344	1016	HSBC Intermediary
4.16%	£536.71	6.74%	£678.59	£30	Tracker	6.4%	27m	£13,149	19394	207	30	NatWest
4.24%	£541.18	5.74%	£622.71	£25	Tracker	5.6%	24m	£13,093	64504	115	25	Barclays
4.24%	£541.18	7.49%	£723.89	£995	Tracker	7.1%	26m	£13,733	476	313	995	TSB Bank
4.64%	£563.81	6.49%	£667.40	£15	Tracker	6.3%	24m	£13,546	43959	75	15	Nationwide B.Soc

This table is based on a residential property value of £250,000 and a mortgage secured against that property of £100,000 (assuming no fees added), calculated on a capital & repayment basis (repayment mortgage) over a term of 25 years (300 monthly payments).

Source: Mortgage Brain. This information was last revised on 27 Dec 2025 at 05:41 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.