Best Buys

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	Overall Cost for Comparison	2 Year Total Cost	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
3.98%	£790.10	6.99%	£1,029.60	£1,030	Fixed	6.4% APRC	£22,936	£300,743	61874	116	1030	Yorkshire B.Soc
3.99%	£790.93	7.49%	£1,083.84	£1,495	Fixed	7.1% APRC	£20,477	£319,031	57004	313	1495	TSB Bank
3.99%	£790.93	7.74%	£1,105.46	£1,534	Fixed	7.2% APRC	£22,707	£324,944	10246	57	1534	Leeds B Society
4.02%	£793.41	6.80%	£1,017.28	£1,507	Fixed	6.4% APRC	£22,755	£299,171	58202	90	1507	Principality
4.03%	£794.24	6.75%	£1,017.74	£999	Fixed	6.4% APRC	£21,713	£300,512	20168	1	999	Santander
4.04%	£795.07	6.15%	£961.27	£850	Variable	5.8% APRC	£21,459	£283,348	5791	76	850	Newbury
4.04%	£795.07	6.74%	£1,019.03	£1,014	Fixed	6.5% APRC	£19,596	£300,848	692	75	1014	Nationwide B.Soc
4.04%	£795.07	6.74%	£1,021.84	£1,020	Fixed	6.5% APRC	£20,201	£303,096	25815	80	1020	Virgin Money
4.06%	£796.73	6.49%	£996.64	£999	Fixed	6.2% APRC	£20,121	£294,993	28085	344	999	HSBC Intermediary
4.08%	£798.40	7.49%	£1,082.77	£999	Fixed	7.0% APRC	£21,589	£317,868	7650	142	999	Lloyds Bank

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	Overall Cost for Comparison	2 Year Total Cost	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
3.98%	£790.10	6.99%	£1,029.60	£1,030	Fixed	6.4% APRC	£22,936	£300,743	61874	116	1030	Yorkshire B.Soc
3.99%	£790.93	7.49%	£1,083.84	£1,495	Fixed	7.1% APRC	£20,477	£319,031	57004	313	1495	TSB Bank
3.99%	£790.93	7.74%	£1,105.46	£1,534	Fixed	7.2% APRC	£22,707	£324,944	10246	57	1534	Leeds B Society
4.02%	£793.41	6.80%	£1,017.28	£1,507	Fixed	6.4% APRC	£22,755	£299,171	58202	90	1507	Principality
4.03%	£794.24	6.75%	£1,017.74	£999	Fixed	6.4% APRC	£21,713	£300,512	20168	1	999	Santander
4.04%	£795.07	6.74%	£1,019.03	£1,014	Fixed	6.5% APRC	£19,596	£300,848	692	75	1014	Nationwide B.Soc
4.04%	£795.07	6.74%	£1,021.84	£1,020	Fixed	6.5% APRC	£20,201	£303,096	25815	80	1020	Virgin Money
4.06%	£796.73	6.49%	£996.64	£999	Fixed	6.2% APRC	£20,121	£294,993	28085	344	999	HSBC Intermediary
4.08%	£798.40	7.49%	£1,082.77	£999	Fixed	7.0% APRC	£21,589	£317,868	7650	142	999	Lloyds Bank
4.10%	£800.06	6.99%	£1,039.34	£1,524	Fixed	6.7% APRC	£22,967	£306,964	15966	163	1524	Clydesdale Bank PLC

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	Overall Cost for Comparison	2 Year Total Cost	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
4.23%	£810.15	7.49%	£1,084.58	£1,499	Tracker	7.1% APRC	£20,943	£319,738	61039	42	1499	Halifax
4.29%	£815.97	6.49%	£998.81	£999	Tracker	6.3% APRC	£20,232	£295,904	21218	344	999	HSBC Intermediary
4.29%	£815.97	6.74%	£1,020.75	£1,014	Tracker	6.5% APRC	£20,097	£301,824	26755	75	1014	Nationwide B.Soc
4.36%	£821.87	5.99%	£956.06	£1,024	Tracker	5.9% APRC	£20,829	£284,701	64269	115	1024	Barclays
4.42%	£826.95	6.74%	£1,024.56	£995	Tracker	6.6% APRC	£20,941	£304,619	41302	80	995	Virgin Money
4.43%	£827.80	6.75%	£1,022.58	£999	Tracker	6.6% APRC	£21,091	£303,323	25712	1	999	Santander
4.49%	£832.90	6.54%	£1,004.51	£1,015	Tracker	6.4% APRC	£21,070	£298,314	64031	140	1015	Skipton B.Society
4.54%	£837.16	7.49%	£1,088.18	£995	Tracker	7.1% APRC	£21,087	£320,922	33295	313	995	TSB Bank
4.56%	£838.87	6.99%	£1,042.92	£1,025	Tracker	6.7% APRC	£21,516	£308,392	64705	207	1025	NatWest
4.57%	£839.72	6.99%	£1,034.18	£1,030	Tracker	6.5% APRC	£21,273	£303,321	61704	360	1030	Accord Mortgages

This table is based on a residential property value of £200,000 and a mortgage secured against that property of £150,000 (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 14 Oct 2025 at 05:05 hours

Disclaimer: This information does not contain all of the details you need to choose a mortgage. Interest rates can fluctuate and this could affect the amount payable by yourself.