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
3.73%	6.4% APRC	£512.58	7.24%	£696.64	£999	Fixed	40m	£20,375	40m	£202,629	76285	42	999	Halifax
3.75%	5.4% APRC	£514.13	5.74%	£615.22	£1,024	Fixed	40m	£21,459	40m	£181,626	37505	115	1024	Barclays
3.80%	6.0% APRC	£516.86	6.49%	£658.05	£1,014	Fixed	36m	£19,121	36m	£192,846	14310	75	1014	Nationwide B.Soc
3.81%	5.4% APRC	£517.40	6.24%	£632.71	£999	Fixed	63m	£22,120	63m	£183,547	70880	344	999	HSBC Intermediary
3.82%	6.0% APRC	£517.95	6.50%	£657.34	£999	Fixed	39m	£20,794	39m	£192,990	36358	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
3.73%	6.4% APRC	£512.58	7.24%	£696.64	£999	Fixed	40m	£20,375	40m	£202,629	76285	42	999	Halifax
3.75%	5.4% APRC	£514.13	5.74%	£615.22	£1,024	Fixed	40m	£21,459	40m	£181,626	37505	115	1024	Barclays
3.80%	6.0% APRC	£516.86	6.49%	£658.05	£1,014	Fixed	36m	£19,121	36m	£192,846	14310	75	1014	Nationwide B.Soc
3.81%	5.4% APRC	£517.40	6.24%	£632.71	£999	Fixed	63m	£22,120	63m	£183,547	70880	344	999	HSBC Intermediary
3.82%	6.0% APRC	£517.95	6.50%	£657.34	£999	Fixed	39m	£20,794	39m	£192,990	36358	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
4.34%	4.5% APRC	£546.79	4.34%	£546.79	£999	Tracker	0m	£20,783	0m	£165,136	13108	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
5.54%	5.9% APRC	£616.48	5.54%	£616.48	£1,730	Tracker	0m	£24,048	24m	£186,799	41569	1097	1730	United Trust Bank
5.54%	5.9% APRC	£616.48	5.54%	£616.48	£1,694	Tracker	0m	£24,012	24m	£186,763	47568	1097	1694	impact-UTB
6.20%	6.6% APRC	£656.58	6.20%	£656.58	£1,928	Tracker	0m	£25,740	0m	£199,077	241508	957	1928	impact-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 23 Feb 2026 at 00:54 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.