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
4.15%	6.2% APRC	£536.15	6.74%	£15	Fixed	36m	£18,816	36m	£196,887	3374	75	15	Nationwide B.Soc
4.52%	6.1% APRC	£556.97	6.74%	£1,020	Fixed	61m	£18,962	61m	£190,094	68339	80	1020	Virgin Money
4.24%	6.7% APRC	£541.18	7.49%	£0	Fixed	38m	£19,182	38m	£208,127	3211	313	0	TSB Bank
4.11%	6.1% APRC	£533.93	6.75%	£0	Fixed	38m	£19,196	38m	£196,821	24548	1	0	Santander
3.90%	5.7% APRC	£522.33	5.99%	£1,024	Fixed	36m	£19,558	36m	£186,179	41022	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
4.15%	6.2% APRC	£536.15	6.74%	£15	Fixed	36m	£18,816	36m	£196,887	3374	75	15	Nationwide B.Soc
4.52%	6.1% APRC	£556.97	6.74%	£1,020	Fixed	61m	£18,962	61m	£190,094	68339	80	1020	Virgin Money
4.24%	6.7% APRC	£541.18	7.49%	£0	Fixed	38m	£19,182	38m	£208,127	3211	313	0	TSB Bank
4.11%	6.1% APRC	£533.93	6.75%	£0	Fixed	38m	£19,196	38m	£196,821	24548	1	0	Santander
3.90%	5.7% APRC	£522.33	5.99%	£1,024	Fixed	36m	£19,558	36m	£186,179	41022	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 07 Dec 2025 at 02:16 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.