Our Best Mortgage deal tables are updated daily to give you the most up to date Mortgage deals on the market. The Mortgage rates below are the lowest Mortgage rates on the market with a redemption penalty during the mortgage fixed or tracker rate period. If you have any questions or would like advice about the Mortgage deals below please contact us with any queries.
Current residential mortgage rates based on a property value of £500,000 and a mortgage of £300,000 . This represents a 60% LTV repayment mortgage.
The lowest current mortgage rate at 60% LTV with a product fee is 3.99% with a £999.00 product fee. The lowest current mortgage rate at 60% LTV with no product fee is 4.45%.
Showing 10 out of 1012 matching residential mortgage rates, correct as of 20/09/2026.
| Lender | Initial Rate | Mortgage Type | Initial Period | Max LTV | Product Fee | APRC | More Information |
|---|---|---|---|---|---|---|---|
| Barclays Bank | 3.99% | Tracker | 2 years | 60% | £999.00 | 5.7% | See more information |
| Halifax | 4.06% | Tracker | 2 years | 60% | £1,499.00 | 6.9% | See more information |
| Halifax | 4.06% | Tracker | 2 years | 60% | £1,499.00 | 6.9% | See more information |
| Nationwide BS | 4.09% | Tracker | 2 years | 60% | £999.00 | 6.2% | See more information |
| NatWest | 4.1% | Tracker | 2 years | 60% | £995.00 | 6.5% | See more information |
| HSBC | 4.15% | Tracker | 2 years | 60% | £999.00 | 6.1% | See more information |
| Barclays Bank | 4.15% | Tracker | 2 years | 60% | £999.00 | 5.7% | See more information |
| Nationwide BS | 4.17% | Tracker | 2 years | 60% | £999.00 | 6.3% | See more information |
| Leeds BS | 4.19% | Tracker | 2 years | 65% | £999.00 | 7.3% | See more information |
| Virgin Money | 4.24% | Tracker | 2 years | 65% | £999.00 | 6.3% | See more information |
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 £1,863.11 .
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.
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,104.00 |
| Early Repayment Charge | No |
Initial Monthly Payment
£1,580.37
Ongoing Monthly Payment
£1,863.11
True Cost Over Initial Period
£39,032.88
Total Amount Repayable
£553,251.24
Lender: Barclays Bank
Mortgage type: Residential Mortgage
Rate type: Tracker
Initial rate: 3.99%
Initial rate period: 2 years
Initial monthly payment: £1,580.37
Monthly payment after initial period: £1,863.11
Standard Variable Rate: 5.74%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £25.00
Valuation fee: Free valuation
Total fees: £1,104.00
APR: 5.7%
Early repayment charge: No
True cost over initial period: £39,032.88
True cost over full mortgage term: £553,251.24
For the first 2 years the mortgage rate is 4.06% giving you a monthly payment of £1,591.96 .
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 £2,120.12 .
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 £44,581.92 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £1,499.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £1,499.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,599.00 |
| Early Repayment Charge | No |
Initial Monthly Payment
£1,591.96
Ongoing Monthly Payment
£2,120.12
True Cost Over Initial Period
£44,581.92
Total Amount Repayable
£623,374.68
Lender: Halifax
Mortgage type: Residential Mortgage
Rate type: Tracker
Initial rate: 4.06%
Initial rate period: 2 years
Initial monthly payment: £1,591.96
Monthly payment after initial period: £2,120.12
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £1,499.00.
Arrangement fee: £1,499.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £1,599.00
APR: 6.9%
Early repayment charge: No
True cost over initial period: £44,581.92
True cost over full mortgage term: £623,374.68
For the first 2 years the mortgage rate is 4.06% giving you a monthly payment of £1,591.96 .
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 £2,120.12 .
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 £44,581.92 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £1,499.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £1,499.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,599.00 |
| Early Repayment Charge | No |
Initial Monthly Payment
£1,591.96
Ongoing Monthly Payment
£2,120.12
True Cost Over Initial Period
£44,581.92
Total Amount Repayable
£623,374.68
Lender: Halifax
Mortgage type: Residential Mortgage
Rate type: Tracker
Initial rate: 4.06%
Initial rate period: 2 years
Initial monthly payment: £1,591.96
Monthly payment after initial period: £2,120.12
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £1,499.00.
Arrangement fee: £1,499.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £1,599.00
APR: 6.9%
Early repayment charge: No
True cost over initial period: £44,581.92
True cost over full mortgage term: £623,374.68
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.
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,014.00 |
| Early Repayment Charge | No |
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
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Tracker
Initial rate: 4.09%
Initial rate period: 2 years
Initial monthly payment: £1,598.46
Monthly payment after initial period: £1,994.93
Standard Variable Rate: 6.49%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £15.00
Valuation fee: Free valuation
Total fees: £1,014.00
APR: 6.2%
Early repayment charge: No
True cost over initial period: £39,377.04
True cost over full mortgage term: £589,977.72
For the first 2 years the mortgage rate is 4.1% giving you a monthly payment of £1,600.12 .
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 £2,034.82 .
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 £44,228.24 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £995.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £995.00 |
| Telegraphic Transfer Fee | £30.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,025.00 |
| Early Repayment Charge | 31-Dec-2028 |
Initial Monthly Payment
£1,600.12
Ongoing Monthly Payment
£2,034.82
True Cost Over Initial Period
£44,228.24
Total Amount Repayable
£599,734.10
Lender: NatWest
Mortgage type: Residential Mortgage
Rate type: Tracker
Initial rate: 4.1%
Initial rate period: 2 years
Initial monthly payment: £1,600.12
Monthly payment after initial period: £2,034.82
Standard Variable Rate: 6.74%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £995.00.
Arrangement fee: £995.00
Booking fee: £0.00
Telegraphic transfer fee: £30.00
Valuation fee: Free valuation
Total fees: £1,025.00
APR: 6.5%
Early repayment charge: 31-Dec-2028
True cost over initial period: £44,228.24
True cost over full mortgage term: £599,734.10
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 £39,582.32 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £17.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,016.00 |
| Early Repayment Charge | No |
Initial Monthly Payment
£1,606.93
Ongoing Monthly Payment
£1,950.41
True Cost Over Initial Period
£39,582.32
Total Amount Repayable
£577,895.48
Lender: HSBC
Mortgage type: Residential Mortgage
Rate type: Tracker
Initial rate: 4.15%
Initial rate period: 2 years
Initial monthly payment: £1,606.93
Monthly payment after initial period: £1,950.41
Standard Variable Rate: 6.24%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £17.00
Valuation fee: Free valuation
Total fees: £1,016.00
APR: 6.1%
Early repayment charge: No
True cost over initial period: £39,582.32
True cost over full mortgage term: £577,895.48
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 Barclays Bank standard variable rate which is currently 5.74% . This would give you a monthly repayment of £1,865.15 .
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 £39,670.32 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,104.00 |
| Early Repayment Charge | No |
Initial Monthly Payment
£1,606.93
Ongoing Monthly Payment
£1,865.15
True Cost Over Initial Period
£39,670.32
Total Amount Repayable
£554,451.72
Lender: Barclays Bank
Mortgage type: Residential Mortgage
Rate type: Tracker
Initial rate: 4.15%
Initial rate period: 2 years
Initial monthly payment: £1,606.93
Monthly payment after initial period: £1,865.15
Standard Variable Rate: 5.74%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £25.00
Valuation fee: Free valuation
Total fees: £1,104.00
APR: 5.7%
Early repayment charge: No
True cost over initial period: £39,670.32
True cost over full mortgage term: £554,451.72
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.
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,014.00 |
| Early Repayment Charge | No |
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
Cash Back
£500.00
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Tracker
Initial rate: 4.17%
Initial rate period: 2 years
Initial monthly payment: £1,611.81
Monthly payment after initial period: £1,996.02
Standard Variable Rate: 6.49%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £15.00
Valuation fee: Free valuation
Total fees: £1,014.00
APR: 6.3%
Cashback: £500.00
Early repayment charge: No
True cost over initial period: £39,197.44
True cost over full mortgage term: £590,098.96
For the first 2 years the mortgage rate is 4.19% 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 £2,210.33 .
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 £46,414.08 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £35.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,233.00 |
| Early Repayment Charge | No |
Initial Monthly Payment
£1,613.61
Ongoing Monthly Payment
£2,210.33
True Cost Over Initial Period
£46,414.08
Total Amount Repayable
£647,623.84
Lender: Leeds BS
Mortgage type: Residential Mortgage
Rate type: Tracker
Initial rate: 4.19%
Initial rate period: 2 years
Initial monthly payment: £1,613.61
Monthly payment after initial period: £2,210.33
Standard Variable Rate: 7.74%
Maximum LTV: 65%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £35.00
Valuation fee: Free valuation
Total fees: £1,233.00
APR: 7.3%
Early repayment charge: No
True cost over initial period: £46,414.08
True cost over full mortgage term: £647,623.84
For the first 2 years the mortgage rate is 4.24% giving you a monthly payment of £1,621.98 .
After your tracker rate ends, you will move to the Virgin Money standard variable rate which is currently 6.74% . This would give you a monthly repayment of £2,036.27 .
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 £43,195.48 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,024.00 |
| Early Repayment Charge | No |
Initial Monthly Payment
£1,621.98
Ongoing Monthly Payment
£2,036.27
True Cost Over Initial Period
£43,195.48
Total Amount Repayable
£601,133.46
Lender: Virgin Money
Mortgage type: Residential Mortgage
Rate type: Tracker
Initial rate: 4.24%
Initial rate period: 2 years
Initial monthly payment: £1,621.98
Monthly payment after initial period: £2,036.27
Standard Variable Rate: 6.74%
Maximum LTV: 65%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £25.00
Valuation fee: Free valuation
Total fees: £1,024.00
APR: 6.3%
Early repayment charge: No
True cost over initial period: £43,195.48
True cost over full mortgage term: £601,133.46
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.
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.
