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
3.69%	£766.31	7.24%	£1,059.97	£1,495	Fixed	6.8% APRC	£19,886	£312,145	21384	313	1495	TSB Bank
3.75%	£771.20	6.24%	£972.85	£999	Fixed	6.0% APRC	£19,508	£287,813	8638	344	999	HSBC Intermediary
3.78%	£773.65	5.74%	£930.13	£1,024	Fixed	5.5% APRC	£19,672	£276,075	16579	115	1024	Barclays
3.79%	£774.47	6.50%	£994.16	£999	Fixed	6.2% APRC	£21,236	£293,540	30601	1	999	Santander
3.80%	£775.28	6.49%	£995.47	£1,014	Fixed	6.2% APRC	£19,121	£293,870	20256	75	1014	Nationwide B.Soc
3.80%	£775.28	6.94%	£1,032.52	£1,510	Fixed	6.5% APRC	£23,162	£304,516	5999	628	1510	Bank of Ireland
3.81%	£776.10	6.74%	£1,015.11	£1,025	Fixed	6.4% APRC	£20,720	£299,105	12875	207	1025	NatWest
3.84%	£778.56	6.49%	£997.83	£1,024	Fixed	6.3% APRC	£19,808	£295,831	34000	80	1024	Virgin Money
3.84%	£778.56	7.24%	£1,058.43	£999	Fixed	6.7% APRC	£21,110	£310,692	36383	142	999	Lloyds Bank
3.86%	£780.21	6.80%	£1,016.79	£1,507	Fixed	6.3% APRC	£20,297	£298,913	73257	90	1507	Principality

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
3.69%	£766.31	7.24%	£1,059.97	£1,495	Fixed	6.8% APRC	£19,886	£312,145	21384	313	1495	TSB Bank
3.75%	£771.20	6.24%	£972.85	£999	Fixed	6.0% APRC	£19,508	£287,813	8638	344	999	HSBC Intermediary
3.78%	£773.65	5.74%	£930.13	£1,024	Fixed	5.5% APRC	£19,672	£276,075	16579	115	1024	Barclays
3.79%	£774.47	6.50%	£994.16	£999	Fixed	6.2% APRC	£21,236	£293,540	30601	1	999	Santander
3.80%	£775.28	6.49%	£995.47	£1,014	Fixed	6.2% APRC	£19,121	£293,870	20256	75	1014	Nationwide B.Soc
3.80%	£775.28	6.94%	£1,032.52	£1,510	Fixed	6.5% APRC	£23,162	£304,516	5999	628	1510	Bank of Ireland
3.81%	£776.10	6.74%	£1,015.11	£1,025	Fixed	6.4% APRC	£20,720	£299,105	12875	207	1025	NatWest
3.84%	£778.56	6.49%	£997.83	£1,024	Fixed	6.3% APRC	£19,808	£295,831	34000	80	1024	Virgin Money
3.84%	£778.56	7.24%	£1,058.43	£999	Fixed	6.7% APRC	£21,110	£310,692	36383	142	999	Lloyds Bank
3.86%	£780.21	6.80%	£1,016.79	£1,507	Fixed	6.3% APRC	£20,297	£298,913	73257	90	1507	Principality

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%	£789.36	7.24%	£1,060.19	£1,499	Tracker	6.8% APRC	£20,444	£312,514	32443	42	1499	Halifax
4.04%	£795.07	6.24%	£975.45	£999	Tracker	6.0% APRC	£20,081	£289,305	29076	344	999	HSBC Intermediary
4.04%	£795.07	6.49%	£999.33	£999	Tracker	6.3% APRC	£20,180	£296,648	30540	80	999	Virgin Money
4.04%	£795.07	6.49%	£997.13	£1,014	Tracker	6.3% APRC	£19,596	£294,804	51141	75	1014	Nationwide B.Soc
4.11%	£800.89	5.74%	£933.24	£1,024	Tracker	5.6% APRC	£20,325	£277,900	64269	115	1024	Barclays
4.18%	£806.74	6.50%	£998.95	£999	Tracker	6.3% APRC	£20,336	£296,046	37697	1	999	Santander
4.19%	£807.58	6.99%	£1,031.26	£1,030	Tracker	6.4% APRC	£20,502	£301,664	21636	116	1030	Yorkshire B.Soc
4.29%	£815.97	7.24%	£1,064.54	£995	Tracker	6.9% APRC	£20,578	£314,143	2921	313	995	TSB Bank
4.31%	£817.65	6.74%	£1,019.03	£1,025	Tracker	6.5% APRC	£21,006	£301,297	17177	207	1025	NatWest
4.37%	£822.72	6.54%	£1,003.72	£1,015	Tracker	6.4% APRC	£20,760	£297,787	34270	140	1015	Skipton B.Society

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 20 Jan 2026 at 05:13 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.