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
3.69%	6.2% APRC	£510.87	6.50%	£999	Fixed	26m	£13,235	26m	£195,847	66640	1	999	Santander
3.69%	6.7% APRC	£510.41	7.24%	£999	Fixed	28m	£14,198	28m	£206,770	76225	42	999	Halifax
3.75%	5.4% APRC	£514.13	5.74%	£1,024	Fixed	37m	£15,343	37m	£182,198	2016	115	1024	Barclays
3.78%	6.1% APRC	£515.77	6.29%	£1,515	Fixed	27m	£15,081	27m	£193,085	54919	140	1515	Skipton B.Society
3.78%	6.4% APRC	£515.77	6.74%	£1,025	Fixed	27m	£14,116	27m	£199,657	77357	207	1025	NatWest

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
3.69%	6.2% APRC	£510.87	6.50%	£999	Fixed	26m	£13,235	26m	£195,847	66640	1	999	Santander
3.69%	6.7% APRC	£510.41	7.24%	£999	Fixed	28m	£14,198	28m	£206,770	76225	42	999	Halifax
3.75%	5.4% APRC	£514.13	5.74%	£1,024	Fixed	37m	£15,343	37m	£182,198	2016	115	1024	Barclays
3.78%	6.1% APRC	£515.77	6.29%	£1,515	Fixed	27m	£15,081	27m	£193,085	54919	140	1515	Skipton B.Society
3.78%	6.4% APRC	£515.77	6.74%	£1,025	Fixed	27m	£14,116	27m	£199,657	77357	207	1025	NatWest

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
3.86%	6.8% APRC	£519.66	7.24%	£1,499	Tracker	0m	£13,971	28m	£207,799	63450	42	1499	Halifax
3.94%	6.3% APRC	£524.53	6.49%	£999	Tracker	0m	£13,687	25m	£198,136	30586	80	999	Virgin Money
3.94%	6.3% APRC	£524.53	6.49%	£1,014	Tracker	0m	£13,103	24m	£196,447	51138	75	1014	Nationwide B.Soc
3.96%	5.6% APRC	£525.63	5.74%	£1,024	Tracker	0m	£13,719	24m	£185,259	64265	115	1024	Barclays
4.00%	6.3% APRC	£527.84	6.50%	£999	Tracker	0m	£13,642	24m	£197,224	37667	1	999	Santander

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 13 Feb 2026 at 02:37 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.