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
3.64%	£508.16	6.74%	£1,025	Fixed	6.4% APRC	27m	27m	£13,933	£199,247	13008	207	1025	NatWest
3.66%	£509.25	6.24%	£999	Fixed	6.0% APRC	25m	25m	£13,221	£191,966	8619	344	999	HSBC Intermediary
3.67%	£509.79	5.74%	£1,024	Fixed	5.6% APRC	26m	26m	£12,989	£183,768	6960	115	1024	Barclays
3.69%	£510.87	6.50%	£999	Fixed	6.2% APRC	27m	27m	£14,434	£195,812	25477	1	999	Santander
3.69%	£510.87	7.24%	£1,495	Fixed	6.8% APRC	28m	28m	£15,180	£207,491	19339	313	1495	TSB Bank

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
3.64%	£508.16	6.74%	£1,025	Fixed	6.4% APRC	27m	27m	£13,933	£199,247	13008	207	1025	NatWest
3.66%	£509.25	6.24%	£999	Fixed	6.0% APRC	25m	25m	£13,221	£191,966	8619	344	999	HSBC Intermediary
3.67%	£509.79	5.74%	£1,024	Fixed	5.6% APRC	26m	26m	£12,989	£183,768	6960	115	1024	Barclays
3.69%	£510.87	6.50%	£999	Fixed	6.2% APRC	27m	27m	£14,434	£195,812	25477	1	999	Santander
3.69%	£510.87	7.24%	£1,495	Fixed	6.8% APRC	28m	28m	£15,180	£207,491	19339	313	1495	TSB Bank

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
3.86%	£519.66	7.24%	£1,499	Tracker	6.9% APRC	26m	0m	£13,971	£208,498	32321	42	1499	Halifax
3.94%	£524.53	6.49%	£999	Tracker	6.3% APRC	26m	0m	£13,687	£197,851	30586	80	999	Virgin Money
3.94%	£524.53	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£13,103	£196,447	51138	75	1014	Nationwide B.Soc
3.96%	£525.63	5.74%	£1,024	Tracker	5.6% APRC	24m	0m	£13,719	£185,259	64265	115	1024	Barclays
3.99%	£527.28	6.24%	£999	Tracker	6.1% APRC	24m	0m	£13,654	£193,076	28942	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 22 Jan 2026 at 06:08 hours

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