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
4.69%	£566.67	£636.74	6.00%	£0	Variable	5.8% APRC	36m	36m	£20,500	16896	76	0	Newbury
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	21747	474	999	Co-operative Bank
5.19%	£595.71	£595.71	5.19%	£589	Variable	5.4% APRC	0m	36m	£21,035	84795	48	589	Ecology B.Soc
5.46%	£611.70	£668.78	6.49%	£15	Fixed	6.4% APRC	36m	36m	£21,536	54134	75	15	Nationwide B.Soc

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
5.41%	£608.72	£626.58	5.74%	£25	Fixed	5.8% APRC	38m	38m	£21,519	38838	115	25	Barclays
5.46%	£611.70	£668.78	6.49%	£15	Fixed	6.4% APRC	36m	36m	£21,536	54134	75	15	Nationwide B.Soc
5.32%	£603.38	£668.12	6.50%	£0	Fixed	6.3% APRC	38m	38m	£21,697	112589	1	0	Santander
5.54%	£616.48	£654.93	6.24%	£0	Fixed	6.2% APRC	38m	38m	£21,818	13680	686	0	West Brom BS
5.55%	£616.44	£711.15	7.24%	£0	Fixed	6.9% APRC	38m	38m	£21,942	109745	42	0	Halifax

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	21747	474	999	Co-operative Bank
4.70%	£567.25	£646.84	6.31%	£999	Tracker	5.9% APRC	62m	62m	£22,016	13313	77	999	Newcastle
6.24%	£659.05	£659.05	6.24%	£1,230	Tracker	6.6% APRC	0m	24m	£25,081	91998	1097	1230	United Trust Bank
6.10%	£650.43	£650.43	6.10%	£1,530	Tracker	6.5% APRC	0m	0m	£25,120	4607	957	1530	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 19 Oct 2026 at 02:17 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.