LenderInitial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total CostTotal Amount Payable Over Term
4.49%£555.278.24%£0Variable7.7% APRC24m24m£12,996£226,160
4.63%£563.247.24%£15Fixed6.9% APRC24m24m£13,098£209,549
4.41%£556.807.35%£30Fixed7.1% APRC24m24m£13,248£213,668
4.66%£564.396.49%£30Fixed6.3% APRC24m24m£13,325£197,354
4.74%£569.546.99%£0Fixed6.7% APRC27m27m£13,479£204,387

LenderInitial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total CostTotal Amount Payable Over Term
4.63%£563.247.24%£15Fixed6.9% APRC24m24m£13,098£209,549
4.41%£556.807.35%£30Fixed7.1% APRC24m24m£13,248£213,668
4.66%£564.396.49%£30Fixed6.3% APRC24m24m£13,325£197,354
4.75%£570.128.24%£0Fixed7.8% APRC24m24m£13,353£226,872
4.74%£569.546.99%£0Fixed6.7% APRC27m27m£13,479£204,387

LenderInitial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total CostTotal Amount Payable Over Term
5.00%£584.596.49%£35Tracker6.4% APRC24m24m£13,895£198,514
4.74%£569.546.99%£999Tracker6.9% APRC24m0m£13,918£206,378
4.69%£566.677.24%£1,014Tracker7.1% APRC24m0m£14,179£210,708
4.60%£561.526.75%£999Tracker6.6% APRC24m0m£14,450£202,815
5.24%£598.665.24%£35Tracker5.4% APRC0m0m£14,528£179,758

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 18 Feb 2025 at 01:10 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.