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Initial Rate	Initial Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	3 Year Total Cost	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
4.18%	£537.83	6.74%	£15	Fixed	6.2% APRC	36m	36m	£18,877	£197,003	51102	75	15	Nationwide B.Soc
4.52%	£556.97	6.74%	£1,020	Fixed	6.1% APRC	62m	62m	£18,962	£189,866	68339	80	1020	Virgin Money
3.90%	£522.33	5.99%	£1,024	Fixed	5.6% APRC	37m	37m	£19,558	£185,975	41022	115	1024	Barclays
4.19%	£537.87	7.49%	£0	Fixed	6.6% APRC	40m	40m	£20,041	£207,076	33556	42	0	Halifax
4.11%	£533.93	6.75%	£0	Fixed	6.1% APRC	39m	39m	£20,123	£196,561	24548	1	0	Santander

Initial Rate	Initial Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	3 Year Total Cost	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
4.18%	£537.83	6.74%	£15	Fixed	6.2% APRC	36m	36m	£18,877	£197,003	51102	75	15	Nationwide B.Soc
4.52%	£556.97	6.74%	£1,020	Fixed	6.1% APRC	62m	62m	£18,962	£189,866	68339	80	1020	Virgin Money
3.90%	£522.33	5.99%	£1,024	Fixed	5.6% APRC	37m	37m	£19,558	£185,975	41022	115	1024	Barclays
4.19%	£537.87	7.49%	£0	Fixed	6.6% APRC	40m	40m	£20,041	£207,076	33556	42	0	Halifax
4.11%	£533.93	6.75%	£0	Fixed	6.1% APRC	39m	39m	£20,123	£196,561	24548	1	0	Santander

Lender	Initial Rate	Initial Payment	Reverting Rate	Total Fees	Type	Overall Cost for Comparison	Initial Period (months)	Early Repayment Charge	3 Year Total Cost	Total Amount Payable Over Term	SchemeID	BaselenderId	TotalFees	LenderName
	4.60%	£561.52	5.99%	£1,024	Tracker	5.6% APRC	60m	0m	£21,069	£185,743	64289	115	1024	Barclays

Lender

Overall Cost for Comparison

Initial Period (months)

Early Repayment Charge

3 Year Total Cost

Total Amount Payable Over Term

4.60%

£561.52

5.99%

£1,024

Tracker

5.6% APRC

60m

£21,069

£185,743

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 28 Nov 2025 at 02:27 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.