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	21747	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
4.64%	6.2% APRC	£563.81	6.50%	£663.63	£999	Fixed	38m	£21,271	38m	£196,270	27423	1	999	Santander
4.67%	5.8% APRC	£565.53	6.24%	£643.21	£999	Fixed	61m	£23,036	61m	£189,224	48604	344	999	HSBC Intermediary

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
4.64%	6.2% APRC	£563.81	6.50%	£663.63	£999	Fixed	38m	£21,271	38m	£196,270	27423	1	999	Santander
4.67%	5.7% APRC	£565.53	5.74%	£621.85	£1,024	Fixed	39m	£23,327	39m	£185,463	76864	115	1024	Barclays
4.67%	5.8% APRC	£565.53	6.24%	£643.21	£999	Fixed	61m	£23,036	61m	£189,224	48604	344	999	HSBC Intermediary
4.69%	6.1% APRC	£566.67	6.74%	£668.91	£1,025	Fixed	62m	£23,756	62m	£195,359	54246	207	1025	NatWest
4.74%	6.4% APRC	£568.98	7.24%	£694.49	£999	Fixed	63m	£24,030	63m	£201,189	51282	42	999	Halifax

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	21747	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 11 Sep 2026 at 00:59 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.