LenderInitial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total CostTotal Amount Payable Over Term
4.31%£545.106.74%£0Fixed6.4% APRC26m26m£12,282£199,630
4.31%£551.057.10%£30Fixed6.8% APRC26m26m£12,610£208,140
4.39%£549.616.99%£15Fixed6.7% APRC24m24m£12,706£204,730
4.38%£548.516.24%£30Fixed6.0% APRC24m24m£12,944£192,645
4.26%£542.306.75%£0Fixed6.4% APRC26m26m£12,990£200,425

LenderInitial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total CostTotal Amount Payable Over Term
4.31%£545.106.74%£0Fixed6.4% APRC26m26m£12,282£199,630
4.31%£551.057.10%£30Fixed6.8% APRC26m26m£12,610£208,140
4.39%£549.616.99%£15Fixed6.7% APRC24m24m£12,706£204,730
4.38%£548.516.24%£30Fixed6.0% APRC24m24m£12,944£192,645
4.26%£542.306.75%£0Fixed6.4% APRC26m26m£12,990£200,425

LenderInitial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total CostTotal Amount Payable Over Term
4.75%£570.126.24%£35Tracker6.1% APRC24m24m£13,548£193,872
4.44%£552.436.99%£1,014Tracker6.8% APRC24m0m£13,772£205,860
4.49%£555.276.74%£999Tracker6.6% APRC24m0m£13,825£201,892
4.97%£582.847.24%£30Tracker6.9% APRC27m27m£14,008£209,939
5.25%£599.258.24%£35Tracker7.9% APRC24m0m£14,292£228,471

This table is based on a residential property value of £200,000 and a mortgage secured against that property of £100,000 (assuming no fees added), calculated on a capital & repayment basis (repayment mortgage) over a term of 25 years (300 monthly payments).
Source: Mortgage Brain. This information was last revised on 16 Jun 2025 at 01:26 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 4.3% APRC, based on borrowing £200,000 over 21 years on a 1.85% fixed rate until 01st August 2018, giving 25 monthly payment of £961.67, followed by 228 payments of £1233.90 on a variable rate (currently 4.79%). Total amount payable £302,494 including the following one off costs - £30 telegraphic transfer fee and £377 valuation fee.