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
3.88%	£521.23	7.24%	£1,525	Fixed	6.9% APRC	26m	26m	£14,035	£208,806	6715	207	1525	NatWest
3.89%	£521.78	6.74%	£999	Fixed	6.4% APRC	25m	25m	£13,522	£200,538	51889	344	999	HSBC Intermediary
3.90%	£522.33	6.24%	£1,034	Fixed	6.0% APRC	26m	26m	£13,650	£192,488	29705	115	1034	Barclays
3.92%	£522.94	6.24%	£1,029	Fixed	5.8% APRC	36m	36m	£14,531	£189,947	31776	1369	1029	MPowered Mtgs Resi
3.94%	£524.53	6.75%	£999	Fixed	6.5% APRC	26m	26m	£13,813	£200,771	32747	1	999	Santander

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
3.88%	£521.23	7.24%	£1,525	Fixed	6.9% APRC	26m	26m	£14,035	£208,806	6715	207	1525	NatWest
3.89%	£521.78	6.74%	£999	Fixed	6.4% APRC	25m	25m	£13,522	£200,538	51889	344	999	HSBC Intermediary
3.90%	£522.33	6.24%	£1,034	Fixed	6.0% APRC	26m	26m	£13,650	£192,488	29705	115	1034	Barclays
3.92%	£522.94	6.24%	£1,029	Fixed	5.8% APRC	36m	36m	£14,531	£189,947	31776	1369	1029	MPowered Mtgs Resi
3.94%	£524.53	6.75%	£999	Fixed	6.5% APRC	26m	26m	£13,813	£200,771	32747	1	999	Santander

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
4.36%	£547.39	7.74%	£1,499	Tracker	7.4% APRC	26m	0m	£14,636	£218,176	36217	42	1499	Halifax
4.44%	£552.43	6.99%	£1,014	Tracker	6.8% APRC	24m	0m	£13,772	£205,860	26745	75	1014	Nationwide B.Soc
4.46%	£553.56	6.24%	£1,034	Tracker	6.2% APRC	24m	0m	£14,399	£194,387	26623	115	1034	Barclays
4.49%	£555.27	6.74%	£999	Tracker	6.6% APRC	24m	0m	£13,825	£201,892	41960	344	999	HSBC Intermediary
4.50%	£555.83	6.75%	£999	Tracker	6.6% APRC	24m	0m	£14,564	£202,804	35486	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 01 Jul 2025 at 05:45 hours

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