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
4.09%	£532.82	£532.82	4.09%	£575	Variable	4.2% APRC	0m	24m	£19,757	27376	48	575	Ecology B.Soc
4.35%	£547.35	£614.77	5.74%	£1,024	Tracker	5.4% APRC	60m	0m	£20,559	64289	115	1024	Barclays
4.39%	£549.61	£634.87	6.00%	£850	Variable	5.8% APRC	36m	36m	£20,736	29120	76	850	Newbury
4.34%	£546.79	£546.79	4.34%	£999	Tracker	4.5% APRC	0m	0m	£20,783	55110	474	999	Co-operative Bank
5.04%	£586.92	£708.44	7.24%	£0	Fixed	6.8% APRC	38m	38m	£20,829	71829	313	0	TSB Bank

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
5.04%	£586.92	£708.44	7.24%	£0	Fixed	6.8% APRC	38m	38m	£20,829	71829	313	0	TSB Bank
5.19%	£595.71	£667.15	6.49%	£15	Fixed	6.3% APRC	36m	36m	£20,961	33491	75	15	Nationwide B.Soc
4.95%	£581.68	£690.60	6.94%	£15	Fixed	6.5% APRC	38m	38m	£21,150	35869	628	15	Bank of Ireland
4.74%	£569.54	£643.97	6.24%	£0	Fixed	5.7% APRC	61m	61m	£21,532	6411	344	0	HSBC Intermediary
4.89%	£578.20	£653.37	6.29%	£0	Fixed	6.0% APRC	39m	39m	£21,749	76249	140	0	Skipton B.Society

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	55110	474	999	Co-operative Bank
5.49%	£613.49	£613.49	5.49%	£1,574	Discount	5.8% APRC	0m	0m	£22,660	11890	48	1574	Ecology B.Soc
5.84%	£634.56	£634.56	5.84%	£1,730	Tracker	6.2% APRC	0m	24m	£24,699	55642	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 Jun 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.