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LenderInitial RateInitial PaymentReverting RateReverting PaymentTotal FeesTypeOverall Cost for Comparison2 Year Total Cost
0.71%£771.298.09%£1,769.05£1,019Fixed7.0% APRC£19,380
2.77%£1,023.257.34%£1,672.78£20Fixed6.6% APRC£25,848
2.92%£1,043.256.50%£1,548.08£18Fixed6.0% APRC£25,136
3.67%£1,146.476.49%£1,554.56£1,014Fixed6.2% APRC£28,529
3.69%£1,149.295.74%£1,438.24£924Fixed5.5% APRC£33,398

LenderInitial RateInitial PaymentReverting RateReverting PaymentTotal FeesTypeOverall Cost for Comparison2 Year Total Cost
0.71%£771.298.09%£1,769.05£1,019Fixed7.0% APRC£19,380
2.77%£1,023.257.34%£1,672.78£20Fixed6.6% APRC£25,848
2.92%£1,043.256.50%£1,548.08£18Fixed6.0% APRC£25,136
3.67%£1,146.476.49%£1,554.56£1,014Fixed6.2% APRC£28,529
3.69%£1,149.295.74%£1,438.24£924Fixed5.5% APRC£33,398

LenderInitial RateInitial PaymentReverting RateReverting PaymentTotal FeesTypeOverall Cost for Comparison2 Year Total Cost
3.98%£1,189.677.49%£1,710.99£1,599Tracker7.1% APRC£30,151
4.04%£1,199.316.49%£1,558.25£1,014Tracker6.3% APRC£29,797
4.04%£1,199.316.49%£1,558.25£1,016Tracker6.3% APRC£29,799
4.08%£1,205.106.74%£1,594.88£1,025Tracker6.4% APRC£30,550
4.09%£1,206.556.74%£1,599.46£1,024Tracker6.5% APRC£30,080

This table is based on a residential property value of £350,000 and a mortgage secured against that property of £250,000 (assuming no fees added), calculated on a capital & repayment basis (repayment mortgage) over a term of 30 years (360 monthly payments).
Source: Mortgage Brain. This information was last revised on 26 Dec 2025 at 01:51 hours
Disclaimer: This information does not contain all of the details you need to choose a mortgage. Interest rates can fluctuate and this could affect the amount payable by yourself.