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	27m	0m	£14,102	£208,446	64824	42	1499	Halifax
4.06%	£531.16	5.74%	£1,024	Tracker	5.7% APRC	24m	0m	£13,852	£185,510	43446	115	1024	Barclays
4.09%	£532.82	6.24%	£999	Tracker	6.1% APRC	24m	0m	£13,787	£193,330	42208	344	999	HSBC Intermediary
4.09%	£532.82	6.89%	£1,010	Variable	6.6% APRC	24m	24m	£13,673	£203,677	43060	50	1010	Hinckley + Rugby BS
4.09%	£532.82	7.74%	£1,034	Tracker	7.3% APRC	26m	0m	£14,086	£217,415	48413	57	1034	Leeds 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
4.56%	£559.24	6.24%	£999	Fixed	5.8% APRC	61m	61m	£16,999	£188,555	5986	344	999	HSBC Intermediary
4.56%	£559.24	6.50%	£999	Fixed	6.4% APRC	26m	26m	£14,396	£198,272	10567	1	999	Santander
4.60%	£561.52	6.62%	£999	Fixed	6.4% APRC	30m	30m	£15,531	£199,353	59629	474	999	Co-operative Bank
4.62%	£562.67	5.74%	£1,024	Fixed	5.5% APRC	63m	63m	£18,430	£182,779	58128	115	1024	Barclays
4.64%	£563.81	7.74%	£1,534	Fixed	7.5% APRC	26m	26m	£15,329	£219,521	48425	57	1534	Leeds 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
3.96%	£525.14	7.24%	£1,499	Tracker	6.9% APRC	27m	0m	£14,102	£208,446	64824	42	1499	Halifax
4.06%	£531.16	5.74%	£1,024	Tracker	5.7% APRC	24m	0m	£13,852	£185,510	43446	115	1024	Barclays
4.09%	£532.82	6.24%	£999	Tracker	6.1% APRC	24m	0m	£13,787	£193,330	42208	344	999	HSBC Intermediary
4.09%	£532.82	7.74%	£1,034	Tracker	7.3% APRC	26m	0m	£14,086	£217,415	48413	57	1034	Leeds B Society
4.14%	£535.60	6.49%	£1,014	Tracker	6.3% APRC	24m	0m	£13,368	£196,964	30057	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 07 Jun 2026 at 02:38 hours

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