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
4.06%	£530.65	7.24%	£1,499	Tracker	6.9% APRC	27m	0m	£14,235	£208,745	45279	42	1499	Halifax
4.12%	£534.49	6.24%	£999	Tracker	6.1% APRC	24m	0m	£13,827	£193,409	65673	344	999	HSBC Intermediary
4.13%	£535.04	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£13,355	£196,939	27034	75	1014	Nationwide B.Soc
4.14%	£535.60	6.50%	£999	Tracker	6.3% APRC	24m	0m	£13,828	£197,586	64789	1	999	Santander
4.15%	£536.15	5.74%	£1,024	Tracker	5.7% APRC	24m	0m	£13,972	£185,735	3900	115	1024	Barclays

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
4.52%	£556.97	6.24%	£999	Fixed	6.2% APRC	25m	25m	£14,366	£194,251	9316	344	999	HSBC Intermediary
4.54%	£558.11	6.94%	£1,510	Fixed	6.8% APRC	27m	27m	£17,009	£205,753	34720	628	1510	Bank of Ireland
4.56%	£559.24	6.50%	£999	Fixed	6.4% APRC	26m	26m	£14,396	£198,272	25720	1	999	Santander
4.64%	£563.81	7.74%	£1,034	Fixed	7.4% APRC	26m	26m	£14,829	£219,021	32157	57	1034	Leeds B Society
4.65%	£564.38	6.49%	£1,014	Fixed	6.4% APRC	24m	24m	£14,059	£198,273	27720	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
4.06%	£530.65	7.24%	£1,499	Tracker	6.9% APRC	27m	0m	£14,235	£208,745	45279	42	1499	Halifax
4.12%	£534.49	6.24%	£999	Tracker	6.1% APRC	24m	0m	£13,827	£193,409	65673	344	999	HSBC Intermediary
4.13%	£535.04	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£13,355	£196,939	27034	75	1014	Nationwide B.Soc
4.14%	£535.60	6.50%	£999	Tracker	6.3% APRC	24m	0m	£13,828	£197,586	64789	1	999	Santander
4.15%	£536.15	5.74%	£1,024	Tracker	5.7% APRC	24m	0m	£13,972	£185,735	3900	115	1024	Barclays

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 05 Sep 2026 at 03:02 hours

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