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%	26m	£0	6.1% APRC	26m	£12,005	21789	344	0	HSBC Intermediary
4.06%	Fixed	£531.16	6.74%	24m	£15	6.4% APRC	24m	£12,263	33818	75	15	Nationwide B.Soc
4.07%	Fixed	£531.71	5.99%	24m	£25	5.8% APRC	24m	£12,366	39732	115	25	Barclays
4.10%	Fixed	£533.37	6.99%	26m	£30	6.6% APRC	26m	£12,481	35470	207	30	NatWest
4.03%	Fixed	£529.49	6.75%	26m	£0	6.4% APRC	26m	£12,683	12203	1	0	Santander

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%	26m	£0	6.1% APRC	26m	£12,005	21789	344	0	HSBC Intermediary
4.06%	Fixed	£531.16	6.74%	24m	£15	6.4% APRC	24m	£12,263	33818	75	15	Nationwide B.Soc
4.07%	Fixed	£531.71	5.99%	24m	£25	5.8% APRC	24m	£12,366	39732	115	25	Barclays
4.10%	Fixed	£533.37	6.99%	26m	£30	6.6% APRC	26m	£12,481	35470	207	30	NatWest
4.03%	Fixed	£529.49	6.75%	26m	£0	6.4% APRC	26m	£12,683	12203	1	0	Santander

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
4.50%	Tracker	£555.83	5.99%	24m	£25	5.9% APRC	24m	£13,195	64275	115	25	Barclays
4.72%	Tracker	£568.39	6.99%	26m	£30	6.7% APRC	26m	£13,321	32572	207	30	NatWest
4.19%	Tracker	£538.38	6.74%	24m	£1,014	6.5% APRC	0m	£13,435	51138	75	1014	Nationwide B.Soc
4.24%	Tracker	£541.18	6.49%	24m	£999	6.3% APRC	0m	£13,637	21179	344	999	HSBC Intermediary
4.25%	Tracker	£541.74	6.75%	24m	£999	6.6% APRC	0m	£13,976	68816	1	999	Santander

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 04 Dec 2025 at 03:17 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.