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
2.22%	£651.97	6.50%	£984.42	£18	Fixed	5.8% APRC	£15,745	£287,445	1518	220	18	Kensington
2.77%	£693.50	7.34%	£1,058.75	£20	Fixed	6.5% APRC	£17,446	£307,858	7703	803	20	Leek BuildingSociety
3.67%	£764.68	6.49%	£994.55	£1,014	Fixed	6.2% APRC	£19,366	£293,862	20063	75	1014	Nationwide B.Soc
3.68%	£765.49	7.49%	£1,081.29	£1,099	Fixed	7.0% APRC	£19,471	£317,275	35822	142	1099	Lloyds Bank
3.69%	£766.31	5.74%	£928.97	£924	Fixed	5.5% APRC	£22,244	£275,303	318	115	924	Barclays
3.69%	£766.31	6.50%	£984.53	£999	Fixed	5.9% APRC	£22,214	£287,822	22503	1	999	Santander
3.75%	£771.20	6.99%	£1,027.74	£1,030	Fixed	6.3% APRC	£22,478	£299,730	58927	116	1030	Yorkshire B.Soc
3.77%	£772.83	6.49%	£993.85	£1,016	Fixed	6.2% APRC	£19,564	£293,424	14225	344	1016	HSBC Intermediary
3.78%	£772.94	7.49%	£1,079.95	£1,099	Fixed	6.9% APRC	£21,075	£316,795	35830	42	1099	Halifax
3.79%	£774.47	6.99%	£1,036.83	£1,025	Fixed	6.5% APRC	£20,681	£304,990	12149	207	1025	NatWest

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
2.22%	£651.97	6.50%	£984.42	£18	Fixed	5.8% APRC	£15,745	£287,445	1518	220	18	Kensington
2.77%	£693.50	7.34%	£1,058.75	£20	Fixed	6.5% APRC	£17,446	£307,858	7703	803	20	Leek BuildingSociety
3.67%	£764.68	6.49%	£994.55	£1,014	Fixed	6.2% APRC	£19,366	£293,862	20063	75	1014	Nationwide B.Soc
3.68%	£765.49	7.49%	£1,081.29	£1,099	Fixed	7.0% APRC	£19,471	£317,275	35822	142	1099	Lloyds Bank
3.69%	£766.31	5.74%	£928.97	£924	Fixed	5.5% APRC	£22,244	£275,303	318	115	924	Barclays
3.69%	£766.31	6.50%	£984.53	£999	Fixed	5.9% APRC	£22,214	£287,822	22503	1	999	Santander
3.75%	£771.20	6.99%	£1,027.74	£1,030	Fixed	6.3% APRC	£22,478	£299,730	58927	116	1030	Yorkshire B.Soc
3.77%	£772.83	6.49%	£993.85	£1,016	Fixed	6.2% APRC	£19,564	£293,424	14225	344	1016	HSBC Intermediary
3.78%	£772.94	7.49%	£1,079.95	£1,099	Fixed	6.9% APRC	£21,075	£316,795	35830	42	1099	Halifax
3.79%	£774.47	6.99%	£1,036.83	£1,025	Fixed	6.5% APRC	£20,681	£304,990	12149	207	1025	NatWest

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	7.49%	£1,081.65	£1,599	Tracker	7.0% APRC	£20,544	£318,202	60119	42	1599	Halifax
4.04%	£795.07	6.49%	£997.13	£1,014	Tracker	6.3% APRC	£20,096	£295,304	12557	75	1014	Nationwide B.Soc
4.04%	£795.07	6.49%	£997.13	£1,016	Tracker	6.3% APRC	£20,098	£295,306	14989	344	1016	HSBC Intermediary
4.09%	£799.23	6.74%	£1,020.72	£1,024	Tracker	6.5% APRC	£20,305	£302,416	30484	80	1024	Virgin Money
4.11%	£800.89	5.74%	£933.24	£1,024	Tracker	5.6% APRC	£20,325	£277,900	64208	115	1024	Barclays
4.15%	£804.23	6.50%	£998.75	£999	Tracker	6.3% APRC	£20,526	£296,181	59775	1	999	Santander
4.19%	£807.58	6.99%	£1,031.26	£1,030	Tracker	6.4% APRC	£20,502	£301,664	62921	116	1030	Yorkshire B.Soc
4.29%	£815.97	7.49%	£1,086.24	£995	Tracker	7.1% APRC	£20,578	£319,840	466	313	995	TSB Bank
4.30%	£816.81	6.54%	£1,003.25	£1,015	Tracker	6.4% APRC	£20,683	£297,580	53683	140	1015	Skipton B.Society
4.32%	£818.50	6.99%	£1,032.27	£1,030	Tracker	6.4% APRC	£20,764	£302,232	27630	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 20 Dec 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.