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	55110	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
4.59%	5.9% APRC	£560.95	6.00%	£636.12	£850	Variable	36m	£21,144	36m	£189,080	16594	76	850	Newbury
4.80%	5.9% APRC	£573.00	6.24%	£644.11	£999	Fixed	63m	£24,147	63m	£189,752	24394	344	999	HSBC Intermediary
4.80%	6.0% APRC	£573.00	6.49%	£657.76	£1,024	Fixed	63m	£25,484	63m	£193,364	29980	80	1024	Virgin Money

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
4.80%	5.9% APRC	£573.00	6.24%	£644.11	£999	Fixed	63m	£24,147	63m	£189,752	24394	344	999	HSBC Intermediary
4.80%	6.0% APRC	£573.00	6.49%	£657.76	£1,024	Fixed	63m	£25,484	63m	£193,364	29980	80	1024	Virgin Money
4.80%	6.0% APRC	£573.00	6.49%	£657.78	£1,014	Fixed	60m	£23,008	60m	£192,761	107955	75	1014	Nationwide B.Soc
4.82%	6.1% APRC	£574.15	6.29%	£652.65	£795	Fixed	40m	£22,864	40m	£193,450	15963	140	795	Skipton B.Society
4.83%	6.0% APRC	£574.73	6.50%	£657.75	£999	Fixed	63m	£24,715	63m	£193,319	2276	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	55110	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	£1,694	Tracker	0m	£24,012	24m	£186,763	47568	1097	1694	impact-UTB
5.74%	6.1% APRC	£628.50	5.74%	£628.50	£1,730	Tracker	0m	£24,481	24m	£190,405	91115	1097	1730	United Trust Bank
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 23 Apr 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.