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
3.96%	£525.14	7.24%	£1,499	Tracker	6.9% APRC	26m	0m	£14,102	£208,786	108955	42	1499	Halifax
3.99%	£527.28	6.00%	£850	Variable	5.7% APRC	36m	36m	£14,556	£186,854	2768	76	850	Newbury
4.01%	£528.39	5.74%	£1,024	Tracker	5.7% APRC	24m	0m	£13,785	£185,386	37289	115	1024	Barclays
4.04%	£530.05	6.49%	£999	Tracker	6.4% APRC	25m	0m	£13,819	£198,407	115502	80	999	Virgin Money
4.09%	£532.82	6.89%	£1,010	Variable	6.6% APRC	24m	24m	£13,673	£203,677	106688	50	1010	Hinckley + Rugby BS

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
4.79%	£572.42	6.74%	£1,025	Fixed	6.6% APRC	26m	26m	£14,763	£202,795	105606	207	1025	NatWest
4.80%	£573.00	6.49%	£1,014	Fixed	6.0% APRC	60m	60m	£17,136	£192,761	107955	75	1014	Nationwide B.Soc
4.83%	£574.73	6.50%	£999	Fixed	6.0% APRC	62m	62m	£17,638	£193,221	101886	1	999	Santander
4.86%	£576.46	6.74%	£1,530	Fixed	6.2% APRC	63m	63m	£19,283	£196,845	9984	360	1530	Accord Mortgages
4.94%	£581.10	7.74%	£995	Fixed	6.8% APRC	60m	60m	£17,913	£210,189	113589	156	995	Scottish 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
3.96%	£525.14	7.24%	£1,499	Tracker	6.9% APRC	26m	0m	£14,102	£208,786	108955	42	1499	Halifax
4.01%	£528.39	5.74%	£1,024	Tracker	5.7% APRC	24m	0m	£13,785	£185,386	37289	115	1024	Barclays
4.04%	£530.05	6.49%	£999	Tracker	6.4% APRC	25m	0m	£13,819	£198,407	115502	80	999	Virgin Money
4.14%	£535.60	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£13,368	£196,964	108163	75	1014	Nationwide B.Soc
4.34%	£546.79	4.34%	£999	Tracker	4.5% APRC	0m	0m	£14,222	£165,136	55110	474	999	Co-operative Bank

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 08 Apr 2026 at 02:56 hours

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