Initial RateTypeInitial PaymentReverting RateInitial Period (months)Total FeesOverall Cost for ComparisonEarly Repayment Charge5 Year Total Cost
3.89%Fixed£521.786.74%62m£305.6% APRC62m£31,337
3.89%Fixed£521.785.74%61m£255.1% APRC61m£31,412
3.65%Fixed£508.707.34%63m£205.9% APRC63m£31,483
3.88%Fixed£521.236.24%63m£1,0165.4% APRC63m£31,572
4.05%Fixed£530.606.74%62m£05.7% APRC62m£31,935

Initial RateTypeInitial PaymentReverting RateInitial Period (months)Total FeesOverall Cost for ComparisonEarly Repayment Charge5 Year Total Cost
3.89%Fixed£521.786.74%62m£305.6% APRC62m£31,337
3.89%Fixed£521.785.74%61m£255.1% APRC61m£31,412
3.65%Fixed£508.707.34%63m£205.9% APRC63m£31,483
3.88%Fixed£521.236.24%63m£1,0165.4% APRC63m£31,572
4.05%Fixed£530.606.74%62m£05.7% APRC62m£31,935

Initial RateTypeInitial PaymentReverting RateInitial Period (months)Total FeesOverall Cost for ComparisonEarly Repayment Charge5 Year Total Cost
4.34%Tracker£546.794.34%0m£9994.5% APRC0m£33,906
4.35%Tracker£547.355.74%60m£1,0245.4% APRC0m£33,945
5.54%Tracker£616.485.54%0m£1,7305.9% APRC24m£38,844
6.50%Tracker£675.216.50%0m£1,7296.9% APRC0m£42,417

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 01:48 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.