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
3.75%	5.4% APRC	£514.13	5.74%	£615.56	£1,024	Fixed	39m	£21,459	39m	£181,816	2016	115	1024	Barclays
3.76%	5.5% APRC	£514.68	6.50%	£645.17	£999	Fixed	63m	£22,523	63m	£186,554	53072	1	999	Santander
3.77%	5.5% APRC	£515.22	6.49%	£645.28	£999	Fixed	62m	£21,209	62m	£186,519	28699	344	999	HSBC Intermediary
3.78%	5.7% APRC	£515.77	6.74%	£657.59	£1,025	Fixed	63m	£23,287	63m	£189,367	17151	207	1025	NatWest
3.79%	5.6% APRC	£516.31	6.49%	£646.49	£1,014	Fixed	60m	£20,949	60m	£186,650	111	75	1014	Nationwide B.Soc

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
3.75%	5.4% APRC	£514.13	5.74%	£615.56	£1,024	Fixed	39m	£21,459	39m	£181,816	2016	115	1024	Barclays
3.76%	5.5% APRC	£514.68	6.50%	£645.17	£999	Fixed	63m	£22,523	63m	£186,554	53072	1	999	Santander
3.77%	5.5% APRC	£515.22	6.49%	£645.28	£999	Fixed	62m	£21,209	62m	£186,519	28699	344	999	HSBC Intermediary
3.78%	5.7% APRC	£515.77	6.74%	£657.59	£1,025	Fixed	63m	£23,287	63m	£189,367	17151	207	1025	NatWest
3.79%	5.6% APRC	£516.31	6.49%	£646.49	£1,014	Fixed	60m	£20,949	60m	£186,650	111	75	1014	Nationwide B.Soc

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
5.94%	6.3% APRC	£640.64	5.94%	£640.64	£1,730	Tracker	0m	£24,918	24m	£194,047	3216	1097	1730	United Trust Bank
5.94%	6.3% APRC	£640.64	5.94%	£640.64	£1,694	Tracker	0m	£24,882	24m	£194,011	16406	1097	1694	impact-UTB
6.20%	6.6% APRC	£656.58	6.20%	£656.58	£1,729	Tracker	0m	£25,541	0m	£198,878	12182	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 26 Dec 2025 at 01:26 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.