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LenderInitial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge3 Year Total CostTotal Amount Payable Over Term
4.15%£536.156.49%£15Fixed6.0% APRC36m36m£18,816£193,178
4.19%£537.877.24%£0Fixed6.5% APRC38m38m£19,113£203,974
3.75%£514.135.74%£1,024Fixed5.4% APRC38m38m£19,263£181,657
4.15%£536.156.80%£8Fixed6.1% APRC38m38m£19,374£196,576
4.04%£530.158.09%£1,019Fixed7.3% APRC36m36m£19,954£218,509

LenderInitial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge3 Year Total CostTotal Amount Payable Over Term
4.15%£536.156.49%£15Fixed6.0% APRC36m36m£18,816£193,178
4.19%£537.877.24%£0Fixed6.5% APRC38m38m£19,113£203,974
3.75%£514.135.74%£1,024Fixed5.4% APRC38m38m£19,263£181,657
4.15%£536.156.80%£8Fixed6.1% APRC38m38m£19,374£196,576
4.04%£530.158.09%£1,019Fixed7.3% APRC36m36m£19,954£218,509

LenderInitial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge3 Year Total CostTotal Amount Payable Over Term
4.35%£547.355.74%£1,024Tracker5.4% APRC60m0m£20,559£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 27 Jan 2026 at 02:52 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.