Best Buys

Initial Rate	Overall Cost for Comparison	Initial Payment	Reverting Rate	Total Fees	Type	Initial Period (months)	3 Year Total Cost	Early Repayment Charge	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
4.29%	6.2% APRC	£543.98	6.74%	£15	Fixed	36m	£19,098	36m	£197,422	16990	75	15	Nationwide B.Soc
4.29%	6.7% APRC	£543.98	7.49%	£0	Fixed	38m	£19,283	38m	£208,333	33314	313	0	TSB Bank
4.36%	6.7% APRC	£547.39	7.49%	£0	Fixed	38m	£19,456	38m	£208,444	63234	42	0	Halifax
4.78%	6.2% APRC	£571.84	6.74%	£1,020	Fixed	61m	£19,504	61m	£191,703	32120	80	1020	Virgin Money
3.95%	5.6% APRC	£525.08	5.99%	£1,024	Fixed	38m	£19,657	38m	£185,969	15591	115	1024	Barclays

Initial Rate	Overall Cost for Comparison	Initial Payment	Reverting Rate	Total Fees	Type	Initial Period (months)	3 Year Total Cost	Early Repayment Charge	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
4.29%	6.2% APRC	£543.98	6.74%	£15	Fixed	36m	£19,098	36m	£197,422	16990	75	15	Nationwide B.Soc
4.29%	6.7% APRC	£543.98	7.49%	£0	Fixed	38m	£19,283	38m	£208,333	33314	313	0	TSB Bank
4.36%	6.7% APRC	£547.39	7.49%	£0	Fixed	38m	£19,456	38m	£208,444	63234	42	0	Halifax
4.78%	6.2% APRC	£571.84	6.74%	£1,020	Fixed	61m	£19,504	61m	£191,703	32120	80	1020	Virgin Money
3.95%	5.6% APRC	£525.08	5.99%	£1,024	Fixed	38m	£19,657	38m	£185,969	15591	115	1024	Barclays

Lender	Initial Rate	Overall Cost for Comparison	Initial Payment	Reverting Rate	Total Fees	Type	Initial Period (months)	3 Year Total Cost	Early Repayment Charge	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
	4.60%	5.6% APRC	£561.52	5.99%	£1,024	Tracker	60m	£21,069	0m	£185,743	64289	115	1024	Barclays

Lender

Initial Rate

Overall Cost for Comparison

Initial Period (months)

3 Year Total Cost

Early Repayment Charge

Total Amount Payable Over Term

4.60%

5.6% APRC

£561.52

5.99%

£1,024

Tracker

60m

£21,069

£185,743

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 and interest basis (repayment mortgage) over 25 years.

Source: Mortgage Brain. This information was last revised on 14 Oct 2025 at 02:21 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.