Best Buys

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	Overall Cost for Comparison	5 Year Total Cost	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
4.75%	£855.18	5.74%	£928.34	£1,024	Tracker	5.5% APRC	£52,415	£275,216	64223	115	1024	Barclays
4.78%	£857.77	7.24%	£1,043.00	£1,099	Fixed	6.4% APRC	£53,889	£302,144	11897	142	1099	Lloyds Bank
4.85%	£863.83	6.50%	£986.96	£999	Fixed	6.0% APRC	£54,129	£289,305	27216	1	999	Santander
4.85%	£863.83	6.74%	£1,005.58	£1,030	Fixed	6.1% APRC	£55,601	£293,864	113953	116	1030	Yorkshire B.Soc
4.86%	£864.69	6.49%	£987.66	£1,024	Fixed	6.0% APRC	£55,656	£290,054	29791	80	1024	Virgin Money
4.88%	£865.56	7.24%	£1,044.89	£1,099	Fixed	6.4% APRC	£53,033	£303,448	12820	42	1099	Halifax
4.89%	£867.30	4.89%	£867.30	£999	Tracker	5.1% APRC	£53,137	£261,289	55161	474	999	Co-operative Bank
4.90%	£868.17	4.90%	£868.17	£205	Variable	5.0% APRC	£52,395	£260,756	56632	175	205	Vernon BS
4.90%	£868.17	6.74%	£1,006.43	£1,025	Fixed	6.2% APRC	£54,442	£294,244	19129	207	1025	NatWest
4.95%	£872.52	4.95%	£872.52	£440	Variable	5.1% APRC	£52,891	£262,296	52943	189	440	Stafford B.Society

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	Overall Cost for Comparison	5 Year Total Cost	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
4.78%	£857.77	7.24%	£1,043.00	£1,099	Fixed	6.4% APRC	£53,889	£302,144	11897	142	1099	Lloyds Bank
4.85%	£863.83	6.50%	£986.96	£999	Fixed	6.0% APRC	£54,129	£289,305	27216	1	999	Santander
4.85%	£863.83	6.74%	£1,005.58	£1,030	Fixed	6.1% APRC	£55,601	£293,864	113953	116	1030	Yorkshire B.Soc
4.86%	£864.69	6.49%	£987.66	£1,024	Fixed	6.0% APRC	£55,656	£290,054	29791	80	1024	Virgin Money
4.88%	£865.56	7.24%	£1,044.89	£1,099	Fixed	6.4% APRC	£53,033	£303,448	12820	42	1099	Halifax
4.90%	£868.17	6.74%	£1,006.43	£1,025	Fixed	6.2% APRC	£54,442	£294,244	19129	207	1025	NatWest
4.96%	£873.39	5.74%	£931.11	£924	Fixed	5.6% APRC	£53,407	£276,758	113710	115	924	Barclays
4.99%	£876.01	6.24%	£969.29	£1,016	Fixed	5.9% APRC	£54,022	£285,176	22354	344	1016	HSBC Intermediary
4.99%	£876.01	7.74%	£1,087.56	£1,034	Fixed	6.8% APRC	£56,250	£314,238	119814	57	1034	Leeds B Society
5.00%	£876.89	6.74%	£1,008.13	£1,530	Fixed	6.2% APRC	£56,891	£295,791	14568	360	1530	Accord Mortgages

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	Overall Cost for Comparison	5 Year Total Cost	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
4.75%	£855.18	5.74%	£928.34	£1,024	Tracker	5.5% APRC	£52,415	£275,216	64223	115	1024	Barclays
4.89%	£867.30	4.89%	£867.30	£999	Tracker	5.1% APRC	£53,137	£261,289	55161	474	999	Co-operative Bank
6.54%	£1,016.56	6.54%	£1,016.56	£1,730	Tracker	6.9% APRC	£62,849	£306,823	91131	1097	1730	United Trust Bank
6.68%	£1,029.75	6.68%	£1,029.75	£124	Tracker	6.9% APRC	£61,649	£308,789	117889	351	124	Precise Mortgages
6.68%	£1,029.75	6.68%	£1,029.75	£669	Tracker	6.9% APRC	£62,194	£309,334	306684	351	669	TMTC-Precise
7.20%	£1,079.38	7.20%	£1,079.38	£1,984	Tracker	7.6% APRC	£66,922	£325,973	39234	957	1984	West One

This table is based on a residential property value of £180,000 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 24 Apr 2026 at 02:49 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.