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
1.93%	£672.73	6.74%	£1,020	Fixed	6.1% APRC	25m	25m	£17,265	£313,830	31748	80	1020	Virgin Money
3.69%	£817.39	6.60%	£18	Fixed	6.2% APRC	24m	24m	£19,715	£315,375	33631	220	18	Kensington
4.59%	£897.53	6.49%	£17	Fixed	6.3% APRC	25m	25m	£20,958	£315,278	24606	344	17	HSBC Intermediary
4.69%	£906.67	7.49%	£0	Fixed	7.1% APRC	26m	26m	£21,010	£341,195	50377	313	0	TSB Bank
4.50%	£888.46	7.49%	£100	Fixed	7.1% APRC	26m	26m	£21,173	£340,554	24145	42	100	Halifax

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
1.93%	£672.73	6.74%	£1,020	Fixed	6.1% APRC	25m	25m	£17,265	£313,830	31748	80	1020	Virgin Money
3.69%	£817.39	6.60%	£18	Fixed	6.2% APRC	24m	24m	£19,715	£315,375	33631	220	18	Kensington
4.59%	£897.53	6.49%	£17	Fixed	6.3% APRC	25m	25m	£20,958	£315,278	24606	344	17	HSBC Intermediary
4.69%	£906.67	7.49%	£0	Fixed	7.1% APRC	26m	26m	£21,010	£341,195	50377	313	0	TSB Bank
4.50%	£888.46	7.49%	£100	Fixed	7.1% APRC	26m	26m	£21,173	£340,554	24145	42	100	Halifax

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
5.19%	£953.14	6.74%	£15	Tracker	6.6% APRC	24m	0m	£22,390	£324,621	45035	75	15	Nationwide B.Soc
4.69%	£906.67	6.49%	£1,016	Tracker	6.4% APRC	24m	0m	£22,426	£317,244	8094	344	1016	HSBC Intermediary
5.09%	£943.75	6.75%	£0	Tracker	6.6% APRC	24m	0m	£22,875	£325,183	25046	1	0	Santander
4.79%	£915.87	6.54%	£1,015	Tracker	6.4% APRC	24m	0m	£23,061	£319,358	64038	140	1015	Skipton B.Society
5.11%	£945.63	6.99%	£30	Tracker	6.8% APRC	27m	27m	£23,108	£330,446	65092	207	30	NatWest

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 Oct 2025 at 04:21 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.