Best 2 year, full repayment mortgage

Lender Initial Rate? Fees? Monthly payment? APRC? Annual Cost? Max LTV?
Halifax 4.11% £1,499 £1,335 6.8% £16,767 60%
Furness 4.14% £1,058 £1,339 7.3% £16,597 80%
Cumberland 4.18% £999 £1,345 6.6% £16,634 80%
Virgin Money 4.19% £999 £1,346 6.4% £16,651 65%
Nationwide 4.19% £808 £1,346 6.2% £16,556 60%
Source: L&C. Figures based on a £250,000 repayment mortgage (remortgage) over 25 years. Updated: 16 Dec 2025
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