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
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
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	55110	474	999	Co-operative Bank
4.59%	£706.29	6.00%	£817.74	£850	Variable	5.9%	36m	36m	£26,376	16594	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
5.20%	£757.41	6.49%	£862.70	£15	Fixed	6.3%	36m	36m	£26,782	33197	75	15	Nationwide B.Soc
5.01%	£741.30	6.94%	£899.13	£15	Fixed	6.6%	37m	37m	£26,897	119765	628	15	Bank of Ireland
5.19%	£756.56	6.50%	£862.99	£0	Fixed	6.3%	38m	38m	£27,211	2138	1	0	Santander
5.43%	£776.45	7.24%	£927.32	£0	Fixed	7.0%	37m	37m	£27,702	109179	42	0	Halifax
4.84%	£727.03	6.24%	£832.31	£0	Fixed	5.8%	62m	62m	£27,887	37506	344	0	HSBC Intermediary

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	55110	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
5.74%	£804.07	5.74%	£804.07	£1,765	Tracker	6.0%	0m	24m	£30,837	259545	1097	1765	1APP@AMM-UTB
5.74%	£804.07	5.74%	£804.07	£1,765	Tracker	6.0%	0m	24m	£30,837	259547	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 02 May 2026 at 02:44 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.