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
4.39%	£689.91	6.00%	£816.29	£850	Variable	5.8%	36m	36m	£25,787	29120	76	850	Newbury
4.34%	£685.84	4.34%	£685.84	£999	Tracker	4.5%	0m	0m	£25,789	55110	474	999	Co-operative Bank

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
5.04%	£743.84	7.24%	£924.70	£0	Fixed	6.9%	38m	38m	£26,478	71829	313	0	TSB Bank
4.96%	£737.09	6.50%	£861.26	£0	Fixed	6.3%	38m	38m	£26,510	11532	1	0	Santander
4.79%	£722.86	6.49%	£859.77	£1,014	Fixed	6.3%	36m	36m	£26,537	23711	75	1014	Nationwide B.Soc
4.95%	£736.25	6.94%	£898.28	£15	Fixed	6.6%	38m	38m	£26,715	35871	628	15	Bank of Ireland
4.74%	£718.70	6.24%	£831.35	£0	Fixed	5.8%	61m	61m	£27,585	6413	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
5.49%	£782.31	5.49%	£782.31	£1,174	Discount	5.7%	0m	0m	£28,337	38608	48	1174	Ecology B.Soc
5.84%	£814.02	5.84%	£814.02	£1,694	Tracker	6.1%	0m	24m	£30,925	56391	1097	1694	impact-UTB
5.84%	£812.85	5.84%	£812.85	£1,765	Tracker	6.1%	0m	24m	£31,153	210868	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 Jun 2026 at 02:48 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.