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
3.68%	£510.33	6.49%	£999	Fixed	6.2% APRC	26m	26m	£13,247	£195,686	28334	344	999	HSBC Intermediary
3.70%	£511.41	6.74%	£1,014	Fixed	6.4% APRC	24m	24m	£12,788	£199,844	20227	75	1014	Nationwide B.Soc
3.72%	£512.50	6.75%	£999	Fixed	6.4% APRC	26m	26m	£13,524	£200,148	12147	1	999	Santander
3.74%	£513.59	6.99%	£1,525	Fixed	6.7% APRC	26m	26m	£13,851	£204,355	6060	207	1525	NatWest
3.79%	£516.31	7.49%	£1,495	Fixed	7.1% APRC	26m	26m	£13,886	£212,602	73201	313	1495	TSB Bank

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
3.68%	£510.33	6.49%	£999	Fixed	6.2% APRC	26m	26m	£13,247	£195,686	28334	344	999	HSBC Intermediary
3.70%	£511.41	6.74%	£1,014	Fixed	6.4% APRC	24m	24m	£12,788	£199,844	20227	75	1014	Nationwide B.Soc
3.72%	£512.50	6.75%	£999	Fixed	6.4% APRC	26m	26m	£13,524	£200,148	12147	1	999	Santander
3.74%	£513.59	6.99%	£1,525	Fixed	6.7% APRC	26m	26m	£13,851	£204,355	6060	207	1525	NatWest
3.79%	£516.31	7.49%	£1,495	Fixed	7.1% APRC	26m	26m	£13,886	£212,602	73201	313	1495	TSB Bank

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	25768	42	1499	Halifax
4.19%	£538.38	6.74%	£999	Tracker	6.6% APRC	25m	0m	£14,019	£202,824	28740	80	999	Virgin Money
4.19%	£538.38	6.74%	£1,014	Tracker	6.5% APRC	24m	0m	£13,435	£201,129	51138	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	£13,987	£197,707	28942	344	999	HSBC Intermediary

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 Dec 2025 at 05:06 hours

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