Compare residential fixed-rate and tracker mortgages from our representative panel of UK lenders. The comparison uses a £500,000 property and a £300,000 repayment mortgage (60% LTV) over 25 years. Check the initial rate, product fees, APRC and monthly payments together, as the lowest headline rate is not necessarily the lowest overall cost. For personalised advice, contact Go Direct.
Compare current mortgage rates for a £500,000 property with a £300,000 repayment mortgage, representing 60% LTV.
Lowest current 2 year fixed mortgage at 60% LTV: 4.78% (Max LTV 60%) with a £999 product fee. Lowest current 2 year fixed mortgage without a product fee at 60% LTV: 4.95% (Max LTV 60%) with no product fee. Lowest current 5 year fixed mortgage at 60% LTV: 4.78% (Max LTV 60%) with a £999 product fee. Lowest current 5 year fixed mortgage without a product fee at 60% LTV: 4.85% (Max LTV 60%) with no product fee. Lowest current tracker mortgage rate at 60% LTV: 3.99% (Max LTV 60%) from Halifax with a £1,499 product fee. Lowest current tracker mortgage without a product fee at 60% LTV: 4.60% (Max LTV 65%) from Principality BS with no product fee. Rates checked 4 November 2026.
Showing 10 out of 1124 matching mortgage rates.
| Lender | Initial Rate | Rate Type | Max LTV | Fees | APRC | Monthly Payment | More Information |
|---|---|---|---|---|---|---|---|
| Lender Halifax | Initial Rate 3.99% then 7.24% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £1,499.00 Product Fee | APRC 6.9% | Monthly Payment £1,580.37 Initial Monthly Payment | More Information More information |
| Lender Barclays Bank | Initial Rate 3.99% then 5.74% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 5.7% | Monthly Payment £1,580.37 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 3.99% then 7.24% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £1,499.00 Product Fee | APRC 6.9% | Monthly Payment £1,580.37 Initial Monthly Payment | More Information More information |
| Lender NatWest | Initial Rate 4.08% then 6.74% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £995.00 Product Fee | APRC 6.4% | Monthly Payment £1,596.79 Initial Monthly Payment | More Information More information |
| Lender Santander UK Plc | Initial Rate 4.08% then 6.5% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.1% | Monthly Payment £1,595.28 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 4.09% then 6.49% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.2% | Monthly Payment £1,598.46 Initial Monthly Payment | More Information More information |
| Lender HSBC | Initial Rate 4.15% then 6.24% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.1% | Monthly Payment £1,606.93 Initial Monthly Payment | More Information More information |
| Lender Barclays Bank | Initial Rate 4.17% then 5.74% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 5.7% | Monthly Payment £1,610.27 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 4.17% then 6.49% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.3% | Monthly Payment £1,611.81 Initial Monthly Payment | More Information More information |
| Lender Leeds BS | Initial Rate 4.19% then 7.74% variable | Rate Type Tracker for 2 years | Max LTV 65% | Fees £999.00 Product Fee | APRC 7.3% | Monthly Payment £1,613.61 Initial Monthly Payment | More Information More information |
Halifax Intermediary FTB 2 Year Tracker £1499 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 3.99% (until 31/03/2029) giving you a monthly payment of £1,580.37 .
After your tracker rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly repayment of £2,116.93 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £45,849.36 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £1,499.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,599.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £1,580.37 |
|---|---|
| Ongoing Monthly Payment | £2,116.93 |
| True Cost Over Initial Period | £45,849.36 |
| Total Amount Repayable | £621,654.32 |
Barclays Bank 2 Year Tracker £999 Fee Purchase Premier C/A No ERC
Mortgage Summary
For the first 2 years the mortgage rate is 3.99% giving you a monthly payment of £1,580.37 .
After your tracker rate ends, you will move to the Barclays Bank standard variable rate which is currently 5.74% . This would give you a monthly repayment of £1,863.10 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £39,032.88 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,104.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £1,580.37 |
|---|---|
| Ongoing Monthly Payment | £1,863.10 |
| True Cost Over Initial Period | £39,032.88 |
| Total Amount Repayable | £553,248.48 |
Halifax Intermediary 2 Year Tracker £1499 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 3.99% (until 31/03/2029) giving you a monthly payment of £1,580.37 .
After your tracker rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly repayment of £2,116.93 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £45,849.36 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £1,499.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,599.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £1,580.37 |
|---|---|
| Ongoing Monthly Payment | £2,116.93 |
| True Cost Over Initial Period | £45,849.36 |
| Total Amount Repayable | £621,654.32 |
NatWest Intermediary 2 Year Tracker £995 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 4.08% (until 28/02/2029) giving you a monthly payment of £1,596.79 .
After your tracker rate ends, you will move to the NatWest standard variable rate which is currently 6.74% . This would give you a monthly repayment of £2,034.51 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £44,138.33 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £995.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £30.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,025.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £1,596.79 |
|---|---|
| Ongoing Monthly Payment | £2,034.51 |
| True Cost Over Initial Period | £44,138.33 |
| Total Amount Repayable | £599,559.56 |
Santander UK Plc Intermediary 2 Year Tracker £999 Fee New Build
Mortgage Summary
For the first 2 years the mortgage rate is 4.08% giving you a monthly payment of £1,595.28 .
After your tracker rate ends, you will move to the Santander UK Plc standard variable rate which is currently 6.5% . This would give you a monthly repayment of £1,994.53 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £39,510.72 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,224.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £1,595.28 |
|---|---|
| Ongoing Monthly Payment | £1,994.53 |
| True Cost Over Initial Period | £39,510.72 |
| Total Amount Repayable | £590,001.00 |
Nationwide BS 2 Year Tracker £999 Fee
Mortgage Summary
For the first 2 years the mortgage rate is 4.09% giving you a monthly payment of £1,598.46 .
After your tracker rate ends, you will move to the Nationwide BS standard variable rate which is currently 6.49% . This would give you a monthly repayment of £1,994.93 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £39,377.04 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,014.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £1,598.46 |
|---|---|
| Ongoing Monthly Payment | £1,994.93 |
| True Cost Over Initial Period | £39,377.04 |
| Total Amount Repayable | £589,977.72 |
HSBC Intermediary 2 Year Tracker £999 Fee Energy Efficient Homes Purchase High Income £350 Cashback
Mortgage Summary
For the first 2 years the mortgage rate is 4.15% giving you a monthly payment of £1,606.93 .
After your tracker rate ends, you will move to the HSBC standard variable rate which is currently 6.24% . This would give you a monthly repayment of £1,950.41 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £39,232.32 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £17.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,016.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £1,606.93 |
|---|---|
| Ongoing Monthly Payment | £1,950.41 |
| True Cost Over Initial Period | £39,232.32 |
| Total Amount Repayable | £577,545.48 |
Barclays Bank 2 Year Tracker £999 Fee Purchase No ERC
Mortgage Summary
For the first 2 years the mortgage rate is 4.17% giving you a monthly payment of £1,610.27 .
After your tracker rate ends, you will move to the Barclays Bank standard variable rate which is currently 5.74% . This would give you a monthly repayment of £1,865.40 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £39,750.48 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,104.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £1,610.27 |
|---|---|
| Ongoing Monthly Payment | £1,865.40 |
| True Cost Over Initial Period | £39,750.48 |
| Total Amount Repayable | £554,600.88 |
Nationwide BS FTB 2 Year Tracker £999 Fee Cashback
Mortgage Summary
For the first 2 years the mortgage rate is 4.17% giving you a monthly payment of £1,611.81 .
After your tracker rate ends, you will move to the Nationwide BS standard variable rate which is currently 6.49% . This would give you a monthly repayment of £1,996.02 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £39,197.44 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,014.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £1,611.81 |
|---|---|
| Ongoing Monthly Payment | £1,996.02 |
| True Cost Over Initial Period | £39,197.44 |
| Total Amount Repayable | £590,098.96 |
Leeds BS 2 Year Tracker £999 Fee
Mortgage Summary
For the first 2 years the mortgage rate is 4.19% (until 31/01/2029) giving you a monthly payment of £1,613.61 .
After your tracker rate ends, you will move to the Leeds BS standard variable rate which is currently 7.74% . This would give you a monthly repayment of £2,214.03 .
The maximum Loan to Value (LTV) is 65% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £43,186.86 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £35.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,233.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £1,613.61 |
|---|---|
| Ongoing Monthly Payment | £2,214.03 |
| True Cost Over Initial Period | £43,186.86 |
| Total Amount Repayable | £649,831.08 |
Your home may be repossessed if you do not keep up repayments on your mortgage
The APRC quoted is representative and for example purposes, it is based on a £500,000 property with a £300,000 loan over 25 years equating to 300 monthly payments. Best buys are based on the Go Direct representative whole of market panel of lenders.
Fixed-rate mortgages keep the interest rate unchanged for the agreed introductory period, typically two, three or five years. Compare the monthly repayment, product fee, early repayment charges and the lender's follow-on rate, as well as the initial rate.
Tracker mortgages move in line with a specified reference rate, often Bank Rate, plus or minus a lender margin. Payments may rise or fall during the tracker period. Check any introductory discount, floor, early repayment charge and follow-on rate.
The comparison above is a sample at 60% LTV. The available fixed and tracker products depend on the mortgage amount, deposit, term and lender criteria. The current rate summary and table are generated from available cached mortgage results; a category is only represented when matching products are returned.
Compare mortgages over the same initial period using the true cost including fees and repayments. A low interest rate with a substantial fee can be more expensive than a higher rate with a smaller fee. Use the full mortgage comparison to explore your own borrowing requirements.
Once you compare the best Mortgage rate deals if you would like mortgage advice, complete our Mortgage enquiry form and we will contact you to discuses your Mortgage requirements. We normally do not charge a fee for Mortgage advice, however this is dependent on your circumstances such as complex cases or debt consolidation. Our typical fee would be £399.
The above information does not contain all the details you need to choose a mortgage. Please consult a qualified advisor before undertaking any borrowing/these calculations are for illustration purposes only and may not reflect the true cost of repayment.
