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
4.34%	£546.79	£546.79	4.34%	£999	Tracker	4.5% APRC	0m	0m	£20,783	55110	474	999	Co-operative Bank
5.20%	£596.30	£667.21	6.49%	£15	Fixed	6.3% APRC	36m	36m	£20,982	33197	75	15	Nationwide B.Soc
4.59%	£560.95	£636.12	6.00%	£850	Variable	5.9% APRC	36m	36m	£21,144	16594	76	850	Newbury

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
5.20%	£596.30	£667.21	6.49%	£15	Fixed	6.3% APRC	36m	36m	£20,982	33197	75	15	Nationwide B.Soc
5.01%	£585.17	£691.33	6.94%	£15	Fixed	6.6% APRC	37m	37m	£21,276	119765	628	15	Bank of Ireland
5.19%	£595.71	£667.29	6.50%	£0	Fixed	6.3% APRC	38m	38m	£21,421	2137	1	0	Santander
5.50%	£614.09	£654.69	6.24%	£0	Fixed	6.2% APRC	38m	38m	£21,732	32626	686	0	West Brom BS
4.84%	£575.31	£644.79	6.24%	£0	Fixed	5.8% APRC	62m	62m	£21,741	37504	344	0	HSBC Intermediary

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
5.74%	£628.50	£628.50	5.74%	£1,730	Tracker	6.1% APRC	0m	24m	£24,481	91115	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 06 May 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.