Best Buys

Initial Rate	Initial Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	2 Year Total Cost	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
3.64%	£813.06	6.30%	£18	Fixed	5.9% APRC	24m	24m	£19,611	£307,502	84035	220	18	Kensington
4.69%	£906.67	6.24%	£17	Fixed	6.1% APRC	26m	26m	£20,777	£308,688	61682	344	17	HSBC Intermediary
4.35%	£875.76	7.24%	£0	Variable	6.9% APRC	24m	24m	£21,188	£334,940	48440	23	0	Progressive B.Soc.
4.44%	£883.89	6.50%	£0	Fixed	6.2% APRC	26m	26m	£21,188	£315,120	6475	1	0	Santander
4.74%	£911.27	6.49%	£15	Fixed	6.3% APRC	24m	24m	£21,385	£316,297	37056	75	15	Nationwide B.Soc

Initial Rate	Initial Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	2 Year Total Cost	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
3.64%	£813.06	6.30%	£18	Fixed	5.9% APRC	24m	24m	£19,611	£307,502	84035	220	18	Kensington
4.69%	£906.67	6.24%	£17	Fixed	6.1% APRC	26m	26m	£20,777	£308,688	61682	344	17	HSBC Intermediary
4.44%	£883.89	6.50%	£0	Fixed	6.2% APRC	26m	26m	£21,188	£315,120	6475	1	0	Santander
4.40%	£880.27	7.24%	£0	Fixed	6.9% APRC	24m	24m	£21,296	£335,150	44876	23	0	Progressive B.Soc.
4.74%	£911.27	6.49%	£15	Fixed	6.3% APRC	24m	24m	£21,385	£316,297	37056	75	15	Nationwide B.Soc

Initial Rate	Initial Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	2 Year Total Cost	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
4.94%	£929.76	6.49%	£15	Tracker	6.4% APRC	24m	0m	£21,829	£317,113	14387	75	15	Nationwide B.Soc
4.49%	£888.42	6.24%	£1,016	Tracker	6.1% APRC	24m	0m	£21,838	£309,877	8258	344	1016	HSBC Intermediary
4.96%	£931.62	6.74%	£30	Tracker	6.6% APRC	26m	26m	£22,389	£323,616	77837	207	30	NatWest
5.04%	£939.08	6.50%	£0	Tracker	6.4% APRC	24m	0m	£22,763	£318,486	19698	1	0	Santander
4.57%	£894.82	7.24%	£1,599	Tracker	7.0% APRC	27m	0m	£23,075	£335,614	3094	42	1599	Halifax

This table is based on a property value of £180,000 and a mortgage secured against that property of £160,000 calculated on a capital and interest basis (repayment mortgage) over 25 years.

Source: Mortgage Brain. This information was last revised on 16 Mar 2026 at 02:00 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.