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
4.08%	£798.40	7.24%	£1,061.32	£1,499	Tracker	6.9% APRC	£20,661	£312,796	12474	142	1499	Lloyds Bank
4.08%	£797.64	7.24%	£1,061.81	£1,499	Tracker	6.9% APRC	£20,642	£313,438	108963	42	1499	Halifax
4.09%	£799.23	4.09%	£799.23	£575	Variable	4.2% APRC	£19,757	£240,344	27376	48	575	Ecology B.Soc
4.09%	£799.23	4.09%	£799.23	£575	Variable	4.2% APRC	£19,757	£240,344	71899	48	575	PMS-Ecology
4.11%	£800.89	5.74%	£933.24	£1,024	Tracker	5.6% APRC	£20,325	£277,900	64269	115	1024	Barclays
4.15%	£804.23	6.74%	£1,011.26	£1,030	Tracker	6.2% APRC	£20,422	£296,823	20920	116	1030	Yorkshire B.Soc
4.24%	£811.77	6.49%	£998.48	£1,014	Tracker	6.3% APRC	£19,996	£295,577	30382	75	1014	Nationwide B.Soc
4.24%	£811.77	7.24%	£1,056.25	£999	Variable	6.7% APRC	£20,581	£309,245	104924	190	999	Bath Inv. + B.Soc.
4.30%	£816.81	6.80%	£1,019.46	£903	Tracker	6.4% APRC	£22,002	£299,790	34024	90	903	Principality
4.34%	£820.18	6.89%	£1,034.37	£1,010	Variable	6.7% APRC	£20,569	£306,055	31000	50	1010	Hinckley + Rugby BS

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
4.75%	£855.18	6.24%	£965.72	£999	Fixed	5.8% APRC	£25,396	£283,862	36962	344	999	HSBC Intermediary
4.81%	£860.36	6.74%	£1,004.89	£1,030	Fixed	6.1% APRC	£27,508	£293,482	20389	116	1030	Yorkshire B.Soc
4.83%	£862.09	6.94%	£1,034.11	£1,510	Fixed	6.6% APRC	£26,700	£305,229	10633	628	1510	Bank of Ireland
4.84%	£862.96	7.24%	£1,067.29	£1,495	Fixed	7.0% APRC	£24,359	£316,165	30014	313	1495	TSB Bank
4.87%	£865.56	6.74%	£1,023.66	£1,025	Fixed	6.6% APRC	£21,798	£304,012	19139	207	1025	NatWest
4.89%	£867.30	6.49%	£988.12	£1,014	Fixed	6.0% APRC	£25,636	£289,701	20396	75	1014	Nationwide B.Soc
4.89%	£867.30	6.49%	£988.64	£1,024	Fixed	6.0% APRC	£27,681	£290,590	29937	80	1024	Virgin Money
4.89%	£867.30	6.50%	£988.05	£999	Fixed	6.0% APRC	£26,346	£290,152	2459	1	999	Santander
4.89%	£867.30	7.74%	£1,113.57	£1,034	Fixed	7.4% APRC	£22,113	£328,966	35485	57	1034	Leeds B Society
4.90%	£868.17	5.74%	£937.25	£1,024	Fixed	5.8% APRC	£24,811	£280,345	15653	115	1024	Barclays

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
4.08%	£798.40	7.24%	£1,061.32	£1,499	Tracker	6.9% APRC	£20,661	£312,796	12474	142	1499	Lloyds Bank
4.08%	£797.64	7.24%	£1,061.81	£1,499	Tracker	6.9% APRC	£20,642	£313,438	108963	42	1499	Halifax
4.11%	£800.89	5.74%	£933.24	£1,024	Tracker	5.6% APRC	£20,325	£277,900	64269	115	1024	Barclays
4.15%	£804.23	6.74%	£1,011.26	£1,030	Tracker	6.2% APRC	£20,422	£296,823	20920	116	1030	Yorkshire B.Soc
4.24%	£811.77	6.49%	£998.48	£1,014	Tracker	6.3% APRC	£19,996	£295,577	30382	75	1014	Nationwide B.Soc
4.30%	£816.81	6.80%	£1,019.46	£903	Tracker	6.4% APRC	£22,002	£299,790	34024	90	903	Principality
4.44%	£828.65	6.49%	£1,002.24	£999	Tracker	6.4% APRC	£20,986	£298,322	29216	80	999	Virgin Money
4.49%	£832.90	6.24%	£978.39	£999	Tracker	6.1% APRC	£20,989	£291,024	99953	344	999	HSBC Intermediary
4.49%	£832.90	6.74%	£1,013.84	£1,030	Tracker	6.3% APRC	£21,110	£298,296	30097	360	1030	Accord Mortgages
4.49%	£832.90	7.24%	£1,064.59	£995	Tracker	6.9% APRC	£20,985	£314,116	29824	313	995	TSB Bank

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 04 May 2026 at 02:27 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.