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
4.04%	£530.05	5.74%	£1,024	Tracker	5.7% APRC	24m	0m	£13,825	£185,459	26761	115	1024	Barclays
4.05%	£530.60	6.24%	£999	Tracker	6.1% APRC	24m	0m	£13,733	£193,230	23635	344	999	HSBC Intermediary
4.06%	£530.65	7.24%	£1,499	Tracker	6.9% APRC	26m	0m	£14,235	£209,074	48538	42	1499	Halifax
4.09%	£532.82	7.74%	£1,034	Tracker	7.3% APRC	27m	0m	£14,086	£217,033	18925	57	1034	Leeds B Society
4.13%	£535.04	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£13,355	£196,939	27034	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
4.45%	£553.00	6.94%	£1,510	Fixed	6.8% APRC	27m	27m	£16,586	£205,192	63304	628	1510	Bank of Ireland
4.58%	£560.38	6.24%	£999	Fixed	6.2% APRC	27m	27m	£15,308	£194,076	44961	344	999	HSBC Intermediary
4.59%	£560.95	6.50%	£999	Fixed	6.2% APRC	39m	39m	£16,597	£196,134	64260	1	999	Santander
4.64%	£563.81	7.24%	£1,495	Fixed	7.0% APRC	28m	28m	£16,460	£210,418	63519	313	1495	TSB Bank
4.65%	£564.38	5.74%	£1,024	Fixed	5.8% APRC	26m	26m	£14,649	£186,762	29883	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
4.04%	£530.05	5.74%	£1,024	Tracker	5.7% APRC	24m	0m	£13,825	£185,459	26761	115	1024	Barclays
4.05%	£530.60	6.24%	£999	Tracker	6.1% APRC	24m	0m	£13,733	£193,230	23635	344	999	HSBC Intermediary
4.06%	£530.65	7.24%	£1,499	Tracker	6.9% APRC	26m	0m	£14,235	£209,074	48538	42	1499	Halifax
4.09%	£532.82	7.74%	£1,034	Tracker	7.3% APRC	27m	0m	£14,086	£217,033	18925	57	1034	Leeds B Society
4.13%	£535.04	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£13,355	£196,939	27034	75	1014	Nationwide B.Soc

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 Jul 2026 at 02:43 hours

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