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
3.82%	£517.95	6.50%	£663.40	£0	Fixed	6.1%	26m	£12,406	65783	1	0	Santander
3.85%	£519.59	5.74%	£620.73	£25	Fixed	5.5%	25m	£12,575	72403	115	25	Barclays
3.89%	£521.78	6.49%	£664.06	£15	Fixed	6.2%	24m	£12,538	70513	75	15	Nationwide B.Soc
3.99%	£527.28	6.74%	£678.17	£0	Fixed	6.3%	26m	£12,754	35135	163	0	Clydesdale Bank PLC
4.05%	£530.60	6.29%	£652.47	£20	Fixed	6.0%	26m	£12,754	67987	140	20	Skipton B.Society

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	APRC	Initial Period (months)	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
3.82%	£517.95	6.50%	£663.40	£0	Fixed	6.1%	26m	£12,406	65783	1	0	Santander
3.85%	£519.59	5.74%	£620.73	£25	Fixed	5.5%	25m	£12,575	72403	115	25	Barclays
3.89%	£521.78	6.49%	£664.06	£15	Fixed	6.2%	24m	£12,538	70513	75	15	Nationwide B.Soc
3.99%	£527.28	6.74%	£678.17	£0	Fixed	6.3%	26m	£12,754	35135	163	0	Clydesdale Bank PLC
4.05%	£530.60	6.29%	£652.47	£20	Fixed	6.0%	26m	£12,754	67987	140	20	Skipton B.Society

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	6.24%	£649.85	£1,016	Tracker	6.1%	24m	£13,255	24356	344	1016	HSBC Intermediary
4.24%	£541.18	5.74%	£622.71	£25	Tracker	5.6%	24m	£13,093	64504	115	25	Barclays
4.24%	£541.18	7.24%	£708.41	£995	Tracker	6.9%	27m	£13,733	10940	313	995	TSB Bank
4.26%	£542.30	6.74%	£679.52	£30	Tracker	6.4%	26m	£13,045	74403	207	30	NatWest
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 11 Feb 2026 at 02:47 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.