Initial 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
4.24%£541.187.49%£0Fixed6.7% APRC38m38m£19,182£208,127
4.18%£537.837.74%£35Fixed6.9% APRC38m38m£19,661£212,279
4.24%£541.187.19%£15Fixed6.5% APRC38m38m£19,692£204,115
3.96%£525.636.49%£0Fixed5.5% APRC62m62m£19,938£186,056

Initial 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
4.24%£541.187.49%£0Fixed6.7% APRC38m38m£19,182£208,127
4.18%£537.837.74%£35Fixed6.9% APRC38m38m£19,661£212,279
4.24%£541.187.19%£15Fixed6.5% APRC38m38m£19,692£204,115
3.96%£525.636.49%£0Fixed5.5% APRC62m62m£19,938£186,056

Initial 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
4.34%£546.794.34%£999Tracker4.5% APRC0m0m£20,783£165,136
5.94%£640.645.94%£1,730Tracker6.3% APRC0m24m£24,918£194,047
5.94%£640.645.94%£2,029Tracker6.3% APRC0m24m£25,217£194,346
6.20%£656.586.20%£1,729Tracker6.6% APRC0m0m£25,541£198,878

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 22 Dec 2025 at 04:10 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.