Buck converter for Solar panel to MPTT

I have a 495W solar panel that has an open circuit voltage (Voc) of 45,46V and max power voltage (Vmp) of 38.17V , with short circuit current (Isc) of 13.86A and max power current (Imp) of 12.97 and I would like to connect it to a MPPT with Max. Solar Input Voltage of 25V. Can you please advise which dc-dc buck converter I need .

None.

Use a 48V MPTT charge controller

How will that work with a 48V panel?