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LenderInitial RateOverall Cost for ComparisonInitial PaymentReverting RateTotal FeesTypeInitial Period (months)3 Year Total CostEarly Repayment ChargeTotal Amount Payable Over Term
4.30%6.0% APRC£544.546.49%£15Fixed36m£19,11836m£193,744
3.75%5.4% APRC£514.135.74%£1,024Fixed37m£19,26337m£181,848
4.15%6.0% APRC£536.156.50%£0Fixed38m£19,27638m£193,324
4.15%6.1% APRC£536.156.80%£8Fixed37m£19,37437m£196,836
4.19%5.8% APRC£538.386.29%£20Fixed38m£19,40238m£190,480

LenderInitial RateOverall Cost for ComparisonInitial PaymentReverting RateTotal FeesTypeInitial Period (months)3 Year Total CostEarly Repayment ChargeTotal Amount Payable Over Term
4.30%6.0% APRC£544.546.49%£15Fixed36m£19,11836m£193,744
3.75%5.4% APRC£514.135.74%£1,024Fixed37m£19,26337m£181,848
4.15%6.0% APRC£536.156.50%£0Fixed38m£19,27638m£193,324
4.15%6.1% APRC£536.156.80%£8Fixed37m£19,37437m£196,836
4.19%5.8% APRC£538.386.29%£20Fixed38m£19,40238m£190,480

LenderInitial RateOverall Cost for ComparisonInitial PaymentReverting RateTotal FeesTypeInitial Period (months)3 Year Total CostEarly Repayment ChargeTotal Amount Payable Over Term
4.35%5.4% APRC£547.355.74%£1,024Tracker60m£20,5590m£181,240

This table is based on a property value of £200,000 and a mortgage secured against that property of £100,000 calculated on a capital and interest basis (repayment mortgage) over 25 years.
Source: Mortgage Brain. This information was last revised on 03 Feb 2026 at 01:26 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.