Best Buys

Initial Rate	Type	Initial Payment	Reverting Rate	Initial Period (months)	Total Fees	Overall Cost for Comparison	Early Repayment Charge	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
3.99%	Fixed	£527.28	6.49%	24m	£15	6.2% APRC	24m	£12,170	2596	75	15	Nationwide B.Soc
4.00%	Fixed	£527.84	5.74%	26m	£25	5.5% APRC	26m	£12,273	16615	115	25	Barclays
4.34%	Fixed	£546.79	6.80%	26m	£8	6.3% APRC	26m	£12,696	25421	90	8	Principality
4.45%	Fixed	£552.46	7.24%	26m	£0	6.8% APRC	26m	£12,759	34096	42	0	Halifax
4.19%	Fixed	£538.38	7.74%	24m	£0	7.3% APRC	24m	£12,771	44338	156	0	Scottish B.Soc

Initial Rate	Type	Initial Payment	Reverting Rate	Initial Period (months)	Total Fees	Overall Cost for Comparison	Early Repayment Charge	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
3.99%	Fixed	£527.28	6.49%	24m	£15	6.2% APRC	24m	£12,170	2596	75	15	Nationwide B.Soc
4.00%	Fixed	£527.84	5.74%	26m	£25	5.5% APRC	26m	£12,273	16615	115	25	Barclays
4.34%	Fixed	£546.79	6.80%	26m	£8	6.3% APRC	26m	£12,696	25421	90	8	Principality
4.45%	Fixed	£552.46	7.24%	26m	£0	6.8% APRC	26m	£12,759	34096	42	0	Halifax
4.19%	Fixed	£538.38	7.74%	24m	£0	7.3% APRC	24m	£12,771	44338	156	0	Scottish B.Soc

Initial Rate	Type	Initial Payment	Reverting Rate	Initial Period (months)	Total Fees	Overall Cost for Comparison	Early Repayment Charge	2 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.25%	Tracker	£541.74	5.74%	24m	£25	5.6% APRC	24m	£12,857	64275	115	25	Barclays
3.94%	Tracker	£524.53	6.49%	24m	£1,014	6.3% APRC	0m	£13,103	51138	75	1014	Nationwide B.Soc
4.47%	Tracker	£554.13	6.74%	27m	£30	6.4% APRC	27m	£13,218	42479	207	30	NatWest
4.40%	Tracker	£550.17	6.80%	26m	£8	6.3% APRC	26m	£13,277	73249	90	8	Principality
3.99%	Tracker	£527.28	6.24%	24m	£999	6.1% APRC	0m	£13,304	32156	344	999	HSBC Intermediary

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 28 Jan 2026 at 03:28 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.