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
4.12%5.8% APRC£534.496.29%£20Fixed38m£19,26238m£190,204
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
4.08%6.9% APRC£532.267.74%£35Fixed38m£19,46038m£211,861

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
4.12%5.8% APRC£534.496.29%£20Fixed38m£19,26238m£190,204
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
4.08%6.9% APRC£532.267.74%£35Fixed38m£19,46038m£211,861

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 04 Feb 2026 at 01:24 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.