Best Buys

Initial Rate	Initial Payment	Reverting Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.15%	£536.15	£660.46	6.49%	£15	Fixed	6.0% APRC	36m	36m	£18,816	3374	75	15	Nationwide B.Soc
4.19%	£537.87	£701.47	7.24%	£0	Fixed	6.5% APRC	38m	38m	£19,113	33332	42	0	Halifax
4.24%	£541.18	£703.17	7.24%	£0	Fixed	6.6% APRC	37m	37m	£19,182	3211	313	0	TSB Bank
3.75%	£514.13	£615.90	5.74%	£1,024	Fixed	5.4% APRC	38m	38m	£19,263	2030	115	1024	Barclays
4.15%	£536.15	£674.86	6.80%	£8	Fixed	6.1% APRC	38m	38m	£19,374	73244	90	8	Principality

Initial Rate	Initial Payment	Reverting Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.15%	£536.15	£660.46	6.49%	£15	Fixed	6.0% APRC	36m	36m	£18,816	3374	75	15	Nationwide B.Soc
4.19%	£537.87	£701.47	7.24%	£0	Fixed	6.5% APRC	38m	38m	£19,113	33332	42	0	Halifax
4.24%	£541.18	£703.17	7.24%	£0	Fixed	6.6% APRC	37m	37m	£19,182	3211	313	0	TSB Bank
3.75%	£514.13	£615.90	5.74%	£1,024	Fixed	5.4% APRC	38m	38m	£19,263	2030	115	1024	Barclays
4.15%	£536.15	£674.86	6.80%	£8	Fixed	6.1% APRC	38m	38m	£19,374	73244	90	8	Principality

Initial Rate	Initial Payment	Reverting Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.35%	£547.35	£614.77	5.74%	£1,024	Tracker	5.4% APRC	60m	0m	£20,559	64289	115	1024	Barclays
4.34%	£546.79	£546.79	4.34%	£999	Tracker	4.5% APRC	0m	0m	£20,783	13108	474	999	Co-operative Bank
5.54%	£616.48	£616.48	5.54%	£1,730	Tracker	5.9% APRC	0m	24m	£24,048	41569	1097	1730	United Trust Bank
6.20%	£656.58	£656.58	6.20%	£1,729	Tracker	6.6% APRC	0m	0m	£25,541	39251	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 20 Jan 2026 at 03:48 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.