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Initial Rate	Initial Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
3.75%	£514.13	5.74%	£1,024	Fixed	5.4% APRC	£19,613	2016	115	1024	Barclays
3.80%	£516.86	6.50%	£999	Fixed	5.6% APRC	£22,352	67452	1	999	Santander
3.80%	£516.86	6.62%	£999	Fixed	6.0% APRC	£20,630	23009	474	999	Co-operative Bank
3.81%	£517.40	6.24%	£999	Fixed	5.4% APRC	£22,120	70880	344	999	HSBC Intermediary
3.85%	£519.59	6.74%	£1,025	Fixed	5.7% APRC	£22,041	65075	207	1025	NatWest

Initial Rate	Initial Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
3.75%	£514.13	5.74%	£1,024	Fixed	5.4% APRC	£19,613	2016	115	1024	Barclays
3.80%	£516.86	6.50%	£999	Fixed	5.6% APRC	£22,352	67452	1	999	Santander
3.80%	£516.86	6.62%	£999	Fixed	6.0% APRC	£20,630	23009	474	999	Co-operative Bank
3.81%	£517.40	6.24%	£999	Fixed	5.4% APRC	£22,120	70880	344	999	HSBC Intermediary
3.85%	£519.59	6.74%	£1,025	Fixed	5.7% APRC	£22,041	65075	207	1025	NatWest

Initial Rate	Initial Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.34%	£546.79	4.34%	£999	Tracker	4.5% APRC	£20,783	13108	474	999	Co-operative Bank
4.35%	£547.35	5.74%	£1,024	Tracker	5.4% APRC	£20,809	64287	115	1024	Barclays
5.54%	£616.48	5.54%	£1,730	Tracker	5.9% APRC	£24,048	249622	1097	1730	1APP@AMM-UTB
5.54%	£616.48	5.54%	£2,029	Tracker	5.9% APRC	£24,347	249623	1097	2029	Brightstar-UTB
6.20%	£656.58	6.20%	£2,028	Tracker	6.6% APRC	£25,840	241506	957	2028	Brightstar-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 04 Feb 2026 at 00:57 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.