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
5.29%£601.617.24%£0Fixed6.9% APRC38m38m£21,108£208,376
5.34%£604.576.49%£15Fixed6.3% APRC36m36m£21,280£197,647
5.00%£584.596.24%£0Fixed5.9% APRC61m61m£22,078£189,578

Initial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge3 Year Total CostTotal Amount Payable Over Term
5.29%£601.617.24%£0Fixed6.9% APRC38m38m£21,108£208,376
5.34%£604.576.49%£15Fixed6.3% APRC36m36m£21,280£197,647
5.00%£584.596.24%£0Fixed5.9% APRC61m61m£22,078£189,578
5.53%£615.886.80%£8Fixed6.5% APRC38m38m£22,245£202,073
4.88%£577.625.74%£25Fixed5.6% APRC39m39m£22,267£184,790

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
5.84%£634.565.84%£1,730Tracker6.2% APRC0m24m£24,699£192,223
5.84%£634.565.84%£2,029Tracker6.2% APRC0m24m£24,998£192,522
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 19 Sep 2026 at 02:27 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.