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
3.81%	£516.93	7.49%	£999	Fixed	7.0% APRC	27m	27m	£14,356	£211,554	42071	42	999	Halifax
3.83%	£518.50	6.99%	£1,025	Fixed	6.6% APRC	27m	27m	£14,182	£203,788	11973	207	1025	NatWest
3.87%	£520.69	6.75%	£999	Fixed	6.4% APRC	27m	27m	£14,671	£200,278	49307	1	999	Santander
3.89%	£521.78	7.49%	£1,495	Fixed	7.1% APRC	27m	27m	£15,444	£212,520	20116	313	1495	TSB Bank
3.90%	£522.33	6.49%	£999	Fixed	6.2% APRC	26m	26m	£13,535	£196,302	30174	344	999	HSBC Intermediary

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
3.81%	£516.93	7.49%	£999	Fixed	7.0% APRC	27m	27m	£14,356	£211,554	42071	42	999	Halifax
3.83%	£518.50	6.99%	£1,025	Fixed	6.6% APRC	27m	27m	£14,182	£203,788	11973	207	1025	NatWest
3.87%	£520.69	6.75%	£999	Fixed	6.4% APRC	27m	27m	£14,671	£200,278	49307	1	999	Santander
3.89%	£521.78	7.49%	£1,495	Fixed	7.1% APRC	27m	27m	£15,444	£212,520	20116	313	1495	TSB Bank
3.90%	£522.33	6.49%	£999	Fixed	6.2% APRC	26m	26m	£13,535	£196,302	30174	344	999	HSBC Intermediary

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
4.11%	£533.42	7.49%	£1,499	Tracker	7.1% APRC	27m	0m	£14,301	£212,958	42314	42	1499	Halifax
4.19%	£538.38	6.74%	£1,014	Tracker	6.5% APRC	24m	0m	£13,435	£201,129	26745	75	1014	Nationwide B.Soc
4.21%	£539.50	5.99%	£1,024	Tracker	5.9% APRC	24m	0m	£14,052	£189,792	64265	115	1024	Barclays
4.24%	£541.18	6.49%	£999	Tracker	6.3% APRC	24m	0m	£13,637	£197,357	21179	344	999	HSBC Intermediary
4.25%	£541.74	6.75%	£999	Tracker	6.6% APRC	24m	0m	£13,976	£201,907	54867	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 18 Sep 2025 at 05:26 hours

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