LenderInitial RateOverall Cost for ComparisonInitial PaymentReverting RateTotal FeesTypeInitial Period (months)3 Year Total CostEarly Repayment ChargeTotal Amount Payable Over Term
4.15%6.0% APRC£536.156.49%£15Fixed36m£18,81636m£193,178
4.19%6.5% APRC£537.877.24%£0Fixed38m£19,11338m£203,974
4.24%6.6% APRC£541.187.24%£0Fixed37m£19,18237m£204,657
3.75%5.4% APRC£514.135.74%£1,024Fixed38m£19,26338m£181,657
4.15%6.1% APRC£536.156.80%£8Fixed38m£19,37438m£196,576

LenderInitial RateOverall Cost for ComparisonInitial PaymentReverting RateTotal FeesTypeInitial Period (months)3 Year Total CostEarly Repayment ChargeTotal Amount Payable Over Term
4.15%6.0% APRC£536.156.49%£15Fixed36m£18,81636m£193,178
4.19%6.5% APRC£537.877.24%£0Fixed38m£19,11338m£203,974
4.24%6.6% APRC£541.187.24%£0Fixed37m£19,18237m£204,657
3.75%5.4% APRC£514.135.74%£1,024Fixed38m£19,26338m£181,657
4.15%6.1% APRC£536.156.80%£8Fixed38m£19,37438m£196,576

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 20 Jan 2026 at 02:28 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.