Initial RateTypeInitial PaymentReverting RateInitial Period (months)Total FeesOverall Cost for ComparisonEarly Repayment Charge5 Year Total Cost
3.99%Fixed£527.286.49%62m£175.5% APRC62m£30,654
3.83%Fixed£518.506.50%60m£185.5% APRC60m£31,208
3.91%Fixed£522.886.99%62m£305.8% APRC62m£31,403
3.92%Fixed£523.435.99%60m£255.2% APRC60m£31,511
3.74%Fixed£513.597.34%63m£205.9% APRC63m£31,777

Initial RateTypeInitial PaymentReverting RateInitial Period (months)Total FeesOverall Cost for ComparisonEarly Repayment Charge5 Year Total Cost
3.99%Fixed£527.286.49%62m£175.5% APRC62m£30,654
3.83%Fixed£518.506.50%60m£185.5% APRC60m£31,208
3.91%Fixed£522.886.99%62m£305.8% APRC62m£31,403
3.92%Fixed£523.435.99%60m£255.2% APRC60m£31,511
3.74%Fixed£513.597.34%63m£205.9% APRC63m£31,777

Initial RateTypeInitial PaymentReverting RateInitial Period (months)Total FeesOverall Cost for ComparisonEarly Repayment Charge5 Year Total Cost
4.59%Tracker£560.954.59%0m£9994.8% APRC0m£34,756
4.60%Tracker£561.525.99%60m£1,0245.6% APRC0m£34,795
6.19%Tracker£655.976.19%0m£1,7306.6% APRC24m£41,213
6.75%Tracker£690.916.75%0m£1,7297.2% APRC0m£43,359

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 12 Dec 2025 at 03:13 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.