Initial RateInitial PaymentReverting RateReverting PaymentTotal FeesTypeOverall Cost for ComparisonEarly Repayment Charge3 Year Total Cost
1.69%£408.933.59%£494.14£20Fixed3.2% APRC36m£14,306
1.79%£413.715.20%£574.39£15Variable4.4% APRC36m£15,064
1.45%£397.593.59%£491.87£1,034Fixed3.2% APRC38m£15,177
1.85%£416.595.29%£573.32£35Fixed4.3% APRC38m£15,296
1.99%£423.374.64%£540.54£6Fixed3.8% APRC38m£15,342

Initial RateInitial PaymentReverting RateReverting PaymentTotal FeesTypeOverall Cost for ComparisonEarly Repayment Charge3 Year Total Cost
1.69%£408.933.59%£494.14£20Fixed3.2% APRC36m£14,306
1.45%£397.593.59%£491.87£1,034Fixed3.2% APRC38m£15,177
1.85%£416.595.29%£573.32£35Fixed4.3% APRC38m£15,296
1.99%£423.374.64%£540.54£6Fixed3.8% APRC38m£15,342
1.50%£399.944.40%£526.10£8Fixed3.5% APRC40m£15,370

Initial RateInitial PaymentReverting RateReverting PaymentTotal FeesTypeOverall Cost for ComparisonEarly Repayment Charge3 Year Total Cost
2.49%£448.112.49%£448.11£1,570Tracker2.7% APRC12m£17,797
4.90%£578.784.90%£578.78£875Tracker5.1% APRC0m£21,836

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 01 Dec 2021 at 02:37 hours
Disclaimer: This information does not contain all of the details you need to choose a mortgage. Make sure that you read the separate key facts illustration before you make a decision. Representative example: A mortgage of £186,895 payable over 24 years, initially on a fixed rate for 24 months at a typical interest rate of 2.67%, reverting to a variable rate of 4.55% for the remaining 264 months would require 24 monthly payments of £854.53 and 264 monthly payments of £1,030.74. The total amount payable would be £306,164.17 made up of the loan amount plus interest and an arrangement fee of £995. The overall cost for comparison is 4.36% APRC representative.