Best Buys

Initial Rate	Overall Cost for Comparison	Initial Payment	Reverting Rate	Total Fees	Type	Early Repayment Charge	2 Year Total Cost	Initial Period (months)	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
3.96%	6.9% APRC	£525.14	7.24%	£1,499	Tracker	0m	£14,102	26m	£208,786	108955	42	1499	Halifax
4.01%	5.7% APRC	£528.39	5.74%	£1,024	Tracker	0m	£13,785	24m	£185,386	37289	115	1024	Barclays
4.09%	6.6% APRC	£532.82	6.89%	£1,010	Variable	24m	£13,673	24m	£203,677	106688	50	1010	Hinckley + Rugby BS
4.14%	6.3% APRC	£535.60	6.49%	£1,014	Tracker	0m	£13,368	24m	£196,964	108163	75	1014	Nationwide B.Soc
4.14%	6.4% APRC	£535.60	6.49%	£999	Tracker	0m	£13,952	25m	£198,675	117573	80	999	Virgin Money

Initial Rate	Overall Cost for Comparison	Initial Payment	Reverting Rate	Total Fees	Type	Early Repayment Charge	2 Year Total Cost	Initial Period (months)	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
4.79%	6.7% APRC	£572.42	6.74%	£1,525	Fixed	26m	£15,263	26m	£203,295	106583	207	1525	NatWest
4.80%	6.0% APRC	£573.00	6.49%	£1,014	Fixed	60m	£17,136	60m	£192,761	107955	75	1014	Nationwide B.Soc
4.83%	6.0% APRC	£574.73	6.50%	£999	Fixed	62m	£17,888	62m	£193,471	116711	1	999	Santander
4.84%	6.1% APRC	£575.31	6.29%	£795	Fixed	39m	£17,473	39m	£193,673	119498	140	795	Skipton B.Society
4.86%	6.2% APRC	£576.46	6.74%	£1,530	Fixed	63m	£19,283	63m	£196,845	9984	360	1530	Accord Mortgages

Initial Rate	Overall Cost for Comparison	Initial Payment	Reverting Rate	Total Fees	Type	Early Repayment Charge	2 Year Total Cost	Initial Period (months)	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
3.96%	6.9% APRC	£525.14	7.24%	£1,499	Tracker	0m	£14,102	26m	£208,786	108955	42	1499	Halifax
4.01%	5.7% APRC	£528.39	5.74%	£1,024	Tracker	0m	£13,785	24m	£185,386	37289	115	1024	Barclays
4.14%	6.3% APRC	£535.60	6.49%	£1,014	Tracker	0m	£13,368	24m	£196,964	108163	75	1014	Nationwide B.Soc
4.14%	6.4% APRC	£535.60	6.49%	£999	Tracker	0m	£13,952	25m	£198,675	117573	80	999	Virgin Money
4.39%	6.2% APRC	£549.61	6.29%	£995	Tracker	0m	£14,186	24m	£194,888	4270	140	995	Skipton B.Society

This table is based on a residential property value of £200,000 and a mortgage secured against that property of £100,000 (assuming no fees added), calculated on a capital & repayment basis (repayment mortgage) over a term of 25 years (300 monthly payments).

Source: Mortgage Brain. This information was last revised on 15 Apr 2026 at 02:29 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.