Best Buys

Initial Rate	Overall Cost for Comparison	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	Initial Period (months)	3 Year Total Cost	Early Repayment Charge	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
4.34%	4.5% APRC	£546.79	4.34%	£546.79	£999	Tracker	0m	£20,783	0m	£165,136	56784	474	999	Co-operative Bank
4.35%	5.4% APRC	£547.35	5.74%	£614.77	£1,024	Tracker	60m	£20,809	0m	£181,490	64287	115	1024	Barclays
4.39%	5.7% APRC	£549.61	6.00%	£634.87	£0	Variable	36m	£19,886	36m	£187,492	38087	76	0	Newbury
4.60%	6.6% APRC	£561.52	6.94%	£687.34	£1,510	Fixed	40m	£23,782	40m	£202,874	34789	628	1510	Bank of Ireland
4.64%	6.2% APRC	£563.81	6.50%	£663.31	£999	Fixed	39m	£22,453	39m	£196,337	56242	1	999	Santander

Initial Rate	Overall Cost for Comparison	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	Initial Period (months)	3 Year Total Cost	Early Repayment Charge	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
4.60%	6.6% APRC	£561.52	6.94%	£687.34	£1,510	Fixed	40m	£23,782	40m	£202,874	34789	628	1510	Bank of Ireland
4.64%	6.2% APRC	£563.81	6.50%	£663.31	£999	Fixed	39m	£22,453	39m	£196,337	56242	1	999	Santander
4.66%	5.8% APRC	£564.95	6.24%	£642.83	£999	Fixed	62m	£23,015	62m	£189,019	65646	344	999	HSBC Intermediary
4.66%	6.3% APRC	£564.95	6.49%	£663.83	£1,014	Fixed	36m	£20,852	36m	£196,103	36106	75	1014	Nationwide B.Soc
4.67%	5.7% APRC	£565.53	5.74%	£622.20	£1,024	Fixed	37m	£21,113	37m	£185,317	23559	115	1024	Barclays

Initial Rate	Overall Cost for Comparison	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	Initial Period (months)	3 Year Total Cost	Early Repayment Charge	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
4.34%	4.5% APRC	£546.79	4.34%	£546.79	£999	Tracker	0m	£20,783	0m	£165,136	56784	474	999	Co-operative Bank
4.35%	5.4% APRC	£547.35	5.74%	£614.77	£1,024	Tracker	60m	£20,809	0m	£181,490	64287	115	1024	Barclays
5.84%	6.2% APRC	£634.56	5.84%	£634.56	£1,730	Tracker	0m	£24,699	24m	£192,223	55642	1097	1730	United Trust Bank
5.84%	6.2% APRC	£634.56	5.84%	£634.56	£1,694	Tracker	0m	£24,663	24m	£192,187	26259	1097	1694	impact-UTB
6.20%	6.6% APRC	£656.58	6.20%	£656.58	£1,729	Tracker	0m	£25,541	0m	£198,878	39251	957	1729	West One

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

Source: Mortgage Brain. This information was last revised on 19 Aug 2026 at 00:58 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.