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
3.96%	£525.14	7.24%	£1,499	Tracker	6.9% APRC	26m	0m	£14,102	£208,786	108955	42	1499	Halifax
4.01%	£528.39	5.74%	£1,024	Tracker	5.7% APRC	24m	0m	£13,785	£185,386	37289	115	1024	Barclays
4.09%	£532.82	6.89%	£1,010	Variable	6.6% APRC	24m	24m	£13,673	£203,677	106688	50	1010	Hinckley + Rugby BS
4.14%	£535.60	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£13,368	£196,964	108163	75	1014	Nationwide B.Soc
4.24%	£541.18	7.24%	£999	Variable	6.7% APRC	24m	24m	£14,087	£206,531	104924	190	999	Bath Inv. + 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
4.78%	£571.84	6.94%	£1,510	Fixed	6.9% APRC	26m	26m	£15,429	£206,674	5017	628	1510	Bank of Ireland
4.79%	£572.42	6.74%	£1,025	Fixed	6.6% APRC	27m	27m	£15,130	£202,245	20014	207	1025	NatWest
4.80%	£573.00	6.24%	£999	Fixed	5.9% APRC	63m	63m	£18,194	£189,752	24394	344	999	HSBC Intermediary
4.80%	£573.00	6.49%	£1,024	Fixed	6.0% APRC	63m	63m	£19,658	£193,364	29980	80	1024	Virgin Money
4.80%	£573.00	6.49%	£1,014	Fixed	6.0% APRC	60m	60m	£17,136	£192,761	107955	75	1014	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
3.96%	£525.14	7.24%	£1,499	Tracker	6.9% APRC	26m	0m	£14,102	£208,786	108955	42	1499	Halifax
4.01%	£528.39	5.74%	£1,024	Tracker	5.7% APRC	24m	0m	£13,785	£185,386	37289	115	1024	Barclays
4.14%	£535.60	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£13,368	£196,964	108163	75	1014	Nationwide B.Soc
4.34%	£546.79	4.34%	£999	Tracker	4.5% APRC	0m	0m	£14,222	£165,136	55110	474	999	Co-operative Bank
4.39%	£549.61	6.24%	£999	Tracker	6.2% APRC	24m	0m	£14,190	£194,095	99942	344	999	HSBC Intermediary

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 23 Apr 2026 at 02:37 hours

Disclaimer: The guidance on this calculator is for illustrative purposes only and may not represent the actual outcome