Best Buys

Initial Rate	Initial Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	5 Year Total Cost	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
3.83%	£518.50	6.50%	£18	Fixed	5.5% APRC	60m	60m	£31,208	£186,601	1718	220	18	Kensington
3.99%	£527.28	6.49%	£17	Fixed	5.5% APRC	62m	62m	£31,304	£186,561	15541	344	17	HSBC Intermediary
3.91%	£522.88	6.74%	£15	Fixed	5.7% APRC	60m	60m	£31,388	£189,965	4768	75	15	Nationwide B.Soc
3.92%	£523.43	5.99%	£25	Fixed	5.2% APRC	60m	60m	£31,511	£180,949	69703	115	25	Barclays
4.19%	£538.38	7.49%	£0	Fixed	6.2% APRC	62m	62m	£32,053	£200,277	1615	313	0	TSB Bank

Initial Rate	Initial Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	5 Year Total Cost	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
3.83%	£518.50	6.50%	£18	Fixed	5.5% APRC	60m	60m	£31,208	£186,601	1718	220	18	Kensington
3.99%	£527.28	6.49%	£17	Fixed	5.5% APRC	62m	62m	£31,304	£186,561	15541	344	17	HSBC Intermediary
3.91%	£522.88	6.74%	£15	Fixed	5.7% APRC	60m	60m	£31,388	£189,965	4768	75	15	Nationwide B.Soc
3.92%	£523.43	5.99%	£25	Fixed	5.2% APRC	60m	60m	£31,511	£180,949	69703	115	25	Barclays
4.19%	£538.38	7.49%	£0	Fixed	6.2% APRC	62m	62m	£32,053	£200,277	1615	313	0	TSB Bank

Initial Rate	Initial Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	5 Year Total Cost	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
4.59%	£560.95	4.59%	£999	Tracker	4.8% APRC	0m	0m	£34,756	£169,384	13117	474	999	Co-operative Bank
4.60%	£561.52	5.99%	£1,024	Tracker	5.6% APRC	60m	0m	£34,795	£185,993	64222	115	1024	Barclays
6.19%	£655.97	6.19%	£1,730	Tracker	6.6% APRC	0m	24m	£41,213	£198,646	225482	1097	1730	1APP@AMM-UTB
6.19%	£655.97	6.19%	£2,029	Tracker	6.6% APRC	0m	24m	£41,512	£198,945	225483	1097	2029	Brightstar-UTB
6.45%	£672.09	6.45%	£1,729	Tracker	6.8% APRC	0m	0m	£42,229	£203,531	243503	957	1729	1APP@AMM-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 15 Dec 2025 at 03:51 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.