Best Buys

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	APRC	Initial Period (months)	Early Repayment Charge	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
3.80%	£642.71	6.49%	£852.01	£1,014	Fixed	6.1%	36m	36m	£23,652	14310	75	1014	Nationwide B.Soc
4.19%	£673.72	6.94%	£891.94	£15	Fixed	6.4%	38m	38m	£24,464	65322	628	15	Bank of Ireland
4.09%	£665.69	4.09%	£665.69	£575	Variable	4.2%	0m	24m	£24,540	27376	48	575	Ecology B.Soc
4.09%	£665.69	4.09%	£665.69	£575	Variable	4.2%	0m	24m	£24,540	71899	48	575	PMS-Ecology
3.99%	£657.72	6.00%	£813.26	£850	Variable	5.7%	36m	36m	£24,628	2768	76	850	Newbury

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	APRC	Initial Period (months)	Early Repayment Charge	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
3.80%	£642.71	6.49%	£852.01	£1,014	Fixed	6.1%	36m	36m	£23,652	14310	75	1014	Nationwide B.Soc
4.19%	£673.72	6.94%	£891.94	£15	Fixed	6.4%	38m	38m	£24,464	65322	628	15	Bank of Ireland
4.05%	£661.95	7.24%	£914.07	£0	Fixed	6.5%	40m	40m	£24,884	76396	42	0	Halifax
4.24%	£677.84	7.99%	£984.64	£1,019	Fixed	7.3%	36m	36m	£25,271	5259	198	1019	Furness B.Soc
4.15%	£670.50	6.50%	£854.31	£0	Fixed	6.0%	39m	39m	£25,418	36366	1	0	Santander

Initial Rate	Initial Payment	Reverting Rate	Reverting Payment	Total Fees	Type	APRC	Initial Period (months)	Early Repayment Charge	3 Year Total Cost	SchemeID	BaselenderId	TotalFees	LenderName
4.35%	£686.65	5.74%	£788.45	£1,024	Tracker	5.4%	60m	0m	£25,573	64289	115	1024	Barclays
4.34%	£685.84	4.34%	£685.84	£999	Tracker	4.5%	0m	0m	£25,789	13108	474	999	Co-operative Bank
5.54%	£786.64	5.54%	£786.64	£1,694	Tracker	5.8%	0m	24m	£30,138	47568	1097	1694	impact-UTB
5.54%	£786.64	5.54%	£786.64	£1,765	Tracker	5.8%	0m	24m	£30,209	249622	1097	1765	1APP@AMM-UTB
5.54%	£786.64	5.54%	£786.64	£1,765	Tracker	5.8%	0m	24m	£30,209	249624	1097	1765	NI Packaging UTB

This table is based on a residential property value of £296,000 and a mortgage secured against that property of £137,934 (assuming no fees added), calculated on a capital & repayment basis (repayment mortgage) over a term of 30 years (360 monthly payments).

Source: Mortgage Brain. This information was last revised on 17 Feb 2026 at 02:54 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.