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	£674.51	6.74%	£15	Fixed	6.2% APRC	36m	36m	£18,816	3374	75	15	Nationwide B.Soc
4.52%	£556.97	£668.29	6.74%	£1,020	Fixed	6.1% APRC	61m	61m	£18,962	68339	80	1020	Virgin Money
4.24%	£541.18	£717.03	7.49%	£0	Fixed	6.7% APRC	38m	38m	£19,182	3211	313	0	TSB Bank
4.11%	£533.93	£673.88	6.75%	£0	Fixed	6.1% APRC	38m	38m	£19,196	24548	1	0	Santander
3.90%	£522.33	£631.14	5.99%	£1,024	Fixed	5.7% APRC	36m	36m	£19,558	41022	115	1024	Barclays

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	£674.51	6.74%	£15	Fixed	6.2% APRC	36m	36m	£18,816	3374	75	15	Nationwide B.Soc
4.52%	£556.97	£668.29	6.74%	£1,020	Fixed	6.1% APRC	61m	61m	£18,962	68339	80	1020	Virgin Money
4.24%	£541.18	£717.03	7.49%	£0	Fixed	6.7% APRC	38m	38m	£19,182	3211	313	0	TSB Bank
4.11%	£533.93	£673.88	6.75%	£0	Fixed	6.1% APRC	38m	38m	£19,196	24548	1	0	Santander
3.90%	£522.33	£631.14	5.99%	£1,024	Fixed	5.7% APRC	36m	36m	£19,558	41022	115	1024	Barclays

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
4.60%	£561.52	£629.99	5.99%	£1,024	Tracker	5.6% APRC	60m	0m	£21,069	64289	115	1024	Barclays
4.59%	£560.95	£560.95	4.59%	£999	Tracker	4.8% APRC	0m	0m	£21,293	13108	474	999	Co-operative Bank
6.19%	£655.97	£655.97	6.19%	£1,730	Tracker	6.6% APRC	0m	24m	£25,470	3216	1097	1730	United Trust Bank
6.45%	£672.09	£672.09	6.45%	£1,729	Tracker	6.8% APRC	0m	0m	£26,099	12182	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 07 Dec 2025 at 03:35 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.