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
3.71%	£511.96	6.24%	£999	Fixed	6.0% APRC	27m	27m	£14,141	£191,589	70865	344	999	HSBC Intermediary
3.72%	£512.50	6.50%	£999	Fixed	6.2% APRC	27m	27m	£14,474	£195,899	34677	1	999	Santander
3.73%	£512.58	7.24%	£999	Fixed	6.4% APRC	40m	40m	£15,200	£202,629	76285	42	999	Halifax
3.75%	£514.13	5.74%	£1,024	Fixed	5.4% APRC	40m	40m	£15,343	£181,626	37505	115	1024	Barclays
3.78%	£515.77	6.29%	£1,515	Fixed	6.1% APRC	27m	27m	£15,081	£193,085	54919	140	1515	Skipton B.Society

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
3.71%	£511.96	6.24%	£999	Fixed	6.0% APRC	27m	27m	£14,141	£191,589	70865	344	999	HSBC Intermediary
3.72%	£512.50	6.50%	£999	Fixed	6.2% APRC	27m	27m	£14,474	£195,899	34677	1	999	Santander
3.73%	£512.58	7.24%	£999	Fixed	6.4% APRC	40m	40m	£15,200	£202,629	76285	42	999	Halifax
3.75%	£514.13	5.74%	£1,024	Fixed	5.4% APRC	40m	40m	£15,343	£181,626	37505	115	1024	Barclays
3.78%	£515.77	6.29%	£1,515	Fixed	6.1% APRC	27m	27m	£15,081	£193,085	54919	140	1515	Skipton B.Society

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	6.8% APRC	28m	0m	£13,971	£207,799	63450	42	1499	Halifax
3.94%	£524.53	6.49%	£999	Tracker	6.3% APRC	27m	0m	£13,687	£197,568	9106	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
3.99%	£527.28	6.24%	£999	Tracker	6.1% APRC	24m	0m	£13,654	£193,076	28942	344	999	HSBC Intermediary
4.00%	£527.84	6.50%	£999	Tracker	6.3% APRC	24m	0m	£13,892	£197,474	1687	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 22 Feb 2026 at 02:37 hours

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