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%	£1,060.49	£1,499	Tracker	6.8% APRC	£20,661	£312,307	47184	142	1499	Lloyds Bank
4.08%	£797.64	7.24%	£1,060.98	£1,499	Tracker	6.9% APRC	£20,642	£312,946	47545	42	1499	Halifax
4.09%	£799.23	6.74%	£1,010.80	£1,030	Tracker	6.2% APRC	£20,302	£296,563	51798	116	1030	Yorkshire B.Soc
4.12%	£801.73	6.49%	£997.67	£1,014	Tracker	6.3% APRC	£19,756	£295,112	86273	75	1014	Nationwide B.Soc
4.13%	£802.56	5.74%	£933.37	£1,024	Tracker	5.6% APRC	£20,365	£277,976	26765	115	1024	Barclays
4.16%	£805.07	7.74%	£1,107.86	£1,034	Tracker	7.3% APRC	£20,620	£325,783	81816	57	1034	Leeds B Society
4.17%	£805.90	6.24%	£976.31	£999	Tracker	6.1% APRC	£20,341	£289,802	23663	344	999	HSBC Intermediary
4.24%	£811.77	6.50%	£999.35	£999	Tracker	6.3% APRC	£20,706	£296,527	43753	1	999	Santander
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.
4.32%	£818.50	6.49%	£1,001.99	£1,024	Tracker	6.4% APRC	£20,767	£298,215	87083	80	1024	Virgin Money

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
4.39%	£824.41	6.94%	£1,037.20	£1,510	Fixed	6.7% APRC	£24,353	£307,120	87336	628	1510	Bank of Ireland
4.48%	£832.05	6.62%	£1,008.77	£999	Fixed	6.4% APRC	£22,500	£298,355	52028	474	999	Co-operative Bank
4.49%	£832.90	6.74%	£1,013.84	£1,530	Fixed	6.4% APRC	£24,473	£298,796	84805	360	1530	Accord Mortgages
4.49%	£832.90	7.24%	£1,066.00	£1,495	Fixed	7.0% APRC	£21,485	£315,468	7438	313	1495	TSB Bank
4.51%	£834.60	6.24%	£977.23	£999	Fixed	6.1% APRC	£22,318	£290,317	83098	344	999	HSBC Intermediary
4.51%	£834.60	6.49%	£1,000.26	£1,014	Fixed	6.4% APRC	£20,544	£296,616	85777	75	1014	Nationwide B.Soc
4.51%	£834.60	6.49%	£1,003.29	£1,024	Fixed	6.4% APRC	£21,153	£298,977	87124	80	1024	Virgin Money
4.52%	£835.45	5.74%	£935.20	£1,024	Fixed	5.7% APRC	£21,155	£279,071	88235	115	1024	Barclays
4.52%	£835.45	6.50%	£1,000.21	£999	Fixed	6.3% APRC	£21,275	£297,003	23199	1	999	Santander
4.53%	£836.30	6.74%	£1,014.14	£1,030	Fixed	6.3% APRC	£24,056	£298,469	40842	116	1030	Yorkshire B.Soc

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%	£1,060.49	£1,499	Tracker	6.8% APRC	£20,661	£312,307	47184	142	1499	Lloyds Bank
4.08%	£797.64	7.24%	£1,060.98	£1,499	Tracker	6.9% APRC	£20,642	£312,946	47545	42	1499	Halifax
4.09%	£799.23	6.74%	£1,010.80	£1,030	Tracker	6.2% APRC	£20,302	£296,563	51798	116	1030	Yorkshire B.Soc
4.12%	£801.73	6.49%	£997.67	£1,014	Tracker	6.3% APRC	£19,756	£295,112	86273	75	1014	Nationwide B.Soc
4.13%	£802.56	5.74%	£933.37	£1,024	Tracker	5.6% APRC	£20,365	£277,976	26765	115	1024	Barclays
4.16%	£805.07	7.74%	£1,107.86	£1,034	Tracker	7.3% APRC	£20,620	£325,783	81816	57	1034	Leeds B Society
4.17%	£805.90	6.24%	£976.31	£999	Tracker	6.1% APRC	£20,341	£289,802	23663	344	999	HSBC Intermediary
4.24%	£811.77	6.50%	£999.35	£999	Tracker	6.3% APRC	£20,706	£296,527	43753	1	999	Santander
4.32%	£818.50	6.49%	£1,001.99	£1,024	Tracker	6.4% APRC	£20,767	£298,215	87083	80	1024	Virgin Money
4.34%	£820.18	6.29%	£981.75	£995	Tracker	6.1% APRC	£20,679	£291,642	76320	140	995	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 14 Jul 2026 at 02:45 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.