Mortgage Tables Test - HomeOwners Alliance

Lender	Initial Rate?	Fees?	Monthly payment?	APRC?	Annual Cost?	Max LTV?
Halifax	3.86%	£1,499	£1,300	6.6%	£16,354	60%
Nationwide	3.94%	£808	£1,311	6.0%	£16,140	60%
Virgin Money	3.94%	£999	£1,311	6.2%	£16,235	65%
Virgin Money	3.94%	£999	£1,311	6.2%	£16,235	65%
Barclays	3.96%	£1,058	£1,314	5.4%	£16,298	60%

Source: L&C. Figures based on a £250,000 repayment mortgage (remortgage) over 25 years. Updated: 8 Jan 2026

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