Initial RateInitial PaymentReverting RateReverting PaymentTotal FeesTypeOverall Cost for ComparisonEarly Repayment Charge3 Year Total Cost
1.94%£420.945.35%£583.25£15Variable4.5% APRC36m£15,324
1.84%£416.114.10%£519.63£850Variable3.7% APRC36m£15,930
2.99%£473.694.24%£533.90£20Fixed4.0% APRC36m£16,638
2.64%£455.704.54%£546.71£800Variable4.2% APRC36m£17,330
3.39%£494.745.59%£606.13£30Fixed5.1% APRC36m£17,961

Initial RateInitial PaymentReverting RateReverting PaymentTotal FeesTypeOverall Cost for ComparisonEarly Repayment Charge3 Year Total Cost
2.99%£473.694.24%£533.90£20Fixed4.0% APRC36m£16,638
2.79%£463.364.10%£525.30£850Fixed3.9% APRC38m£17,631
3.39%£494.745.59%£606.13£30Fixed5.1% APRC36m£17,961
2.95%£471.614.65%£550.19£8Fixed4.1% APRC40m£17,966
2.85%£466.455.54%£591.33£1,233Fixed4.7% APRC37m£18,025

Initial RateInitial PaymentReverting RateReverting PaymentTotal FeesTypeOverall Cost for ComparisonEarly Repayment Charge3 Year Total Cost
2.25%£436.134.49%£532.40£1,784Tracker3.8% APRC60m£18,222
3.39%£494.743.39%£494.74£1,570Tracker3.6% APRC12m£19,476

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 27 May 2022 at 02:20 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.