Best Buys

Initial Rate	Type	Initial Payment	Reverting Rate	Initial Period (months)	Total Fees	Overall Cost for Comparison	Early Repayment Charge	5 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.77%	Fixed	£571.27	6.49%	60m	£15	5.9% APRC	60m	£33,791	99250	75	15	Nationwide B.Soc
4.85%	Fixed	£575.88	6.24%	62m	£17	5.8% APRC	62m	£33,870	42090	344	17	HSBC Intermediary
4.35%	Tracker	£547.35	5.74%	60m	£1,024	5.4% APRC	0m	£33,945	64222	115	1024	Barclays
4.71%	Fixed	£567.82	6.45%	60m	£18	5.9% APRC	60m	£34,167	86578	220	18	Kensington
4.76%	Fixed	£570.69	6.49%	62m	£25	5.9% APRC	62m	£34,365	58946	80	25	Virgin Money

Initial Rate	Type	Initial Payment	Reverting Rate	Initial Period (months)	Total Fees	Overall Cost for Comparison	Early Repayment Charge	5 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.77%	Fixed	£571.27	6.49%	60m	£15	5.9% APRC	60m	£33,791	99250	75	15	Nationwide B.Soc
4.85%	Fixed	£575.88	6.24%	62m	£17	5.8% APRC	62m	£33,870	42090	344	17	HSBC Intermediary
4.71%	Fixed	£567.82	6.45%	60m	£18	5.9% APRC	60m	£34,167	86578	220	18	Kensington
4.76%	Fixed	£570.69	6.49%	62m	£25	5.9% APRC	62m	£34,365	58946	80	25	Virgin Money
4.85%	Fixed	£575.88	6.50%	62m	£0	5.9% APRC	62m	£34,528	97434	1	0	Santander

Initial Rate	Type	Initial Payment	Reverting Rate	Initial Period (months)	Total Fees	Overall Cost for Comparison	Early Repayment Charge	5 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.35%	Tracker	£547.35	5.74%	60m	£1,024	5.4% APRC	0m	£33,945	64222	115	1024	Barclays
5.84%	Tracker	£634.56	5.84%	0m	£1,730	6.2% APRC	24m	£39,929	55642	1097	1730	United Trust Bank
6.50%	Tracker	£675.21	6.50%	0m	£1,729	6.9% APRC	0m	£42,417	38581	957	1729	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 and interest basis (repayment mortgage) over 25 years.

Source: Mortgage Brain. This information was last revised on 05 Aug 2026 at 01:57 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.