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
3.89%	7.1% APRC	£521.78	7.49%	£1,495	Fixed	26m	£14,018	26m	£212,895	20116	313	1495	TSB Bank
3.90%	6.6% APRC	£522.33	6.99%	£1,025	Fixed	27m	£13,924	27m	£203,645	64612	207	1025	NatWest
3.91%	5.8% APRC	£522.88	5.99%	£1,024	Fixed	26m	£13,653	26m	£188,615	12600	115	1024	Barclays
3.91%	6.4% APRC	£522.88	6.75%	£999	Fixed	27m	£14,724	27m	£200,398	20039	1	999	Santander
3.99%	6.3% APRC	£527.28	6.54%	£1,515	Fixed	27m	£15,424	27m	£197,667	64052	140	1515	Skipton B.Society

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
3.89%	7.1% APRC	£521.78	7.49%	£1,495	Fixed	26m	£14,018	26m	£212,895	20116	313	1495	TSB Bank
3.90%	6.6% APRC	£522.33	6.99%	£1,025	Fixed	27m	£13,924	27m	£203,645	64612	207	1025	NatWest
3.91%	5.8% APRC	£522.88	5.99%	£1,024	Fixed	26m	£13,653	26m	£188,615	12600	115	1024	Barclays
3.91%	6.4% APRC	£522.88	6.75%	£999	Fixed	27m	£14,724	27m	£200,398	20039	1	999	Santander
3.99%	6.3% APRC	£527.28	6.54%	£1,515	Fixed	27m	£15,424	27m	£197,667	64052	140	1515	Skipton B.Society

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
4.11%	7.1% APRC	£533.42	7.49%	£1,499	Tracker	0m	£14,301	26m	£213,311	61035	42	1499	Halifax
4.19%	6.5% APRC	£538.38	6.74%	£1,014	Tracker	0m	£13,435	24m	£201,129	26745	75	1014	Nationwide B.Soc
4.21%	5.9% APRC	£539.50	5.99%	£1,024	Tracker	0m	£14,052	24m	£189,792	64265	115	1024	Barclays
4.25%	6.6% APRC	£541.74	6.75%	£999	Tracker	0m	£13,976	24m	£201,907	25583	1	999	Santander
4.35%	6.6% APRC	£547.35	6.74%	£995	Tracker	27m	£14,469	27m	£202,715	10950	80	995	Virgin Money

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 26 Oct 2025 at 03:25 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.