Initial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge3 Year Total CostTotal Amount Payable Over Term
4.70%£567.256.49%£15Fixed6.2% APRC36m36m£19,936£195,253
4.79%£572.427.24%£0Fixed6.7% APRC38m38m£20,307£206,602
4.35%£547.355.74%£1,024Tracker5.4% APRC60m0m£20,559£181,240
4.78%£571.277.24%£0Fixed6.7% APRC39m39m£21,249£206,139
4.79%£572.426.24%£0Fixed5.8% APRC62m62m£21,637£188,172

Initial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge3 Year Total CostTotal Amount Payable Over Term
4.70%£567.256.49%£15Fixed6.2% APRC36m36m£19,936£195,253
4.79%£572.427.24%£0Fixed6.7% APRC38m38m£20,307£206,602
4.78%£571.277.24%£0Fixed6.7% APRC39m39m£21,249£206,139
4.79%£572.426.24%£0Fixed5.8% APRC62m62m£21,637£188,172
4.89%£578.206.50%£0Fixed6.2% APRC39m39m£21,724£196,103

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
5.74%£628.505.74%£1,730Tracker6.1% APRC0m24m£24,481£190,405
5.74%£628.505.74%£2,029Tracker6.1% APRC0m24m£24,780£190,704
6.20%£656.586.20%£1,729Tracker6.6% APRC0m0m£25,541£198,878
6.20%£656.586.20%£2,028Tracker6.6% APRC0m0m£25,840£199,177

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 23 Mar 2026 at 02:04 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.