LenderInitial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total CostTotal Amount Payable Over Term
3.78%£515.776.75%£999Fixed6.4% APRC27m27m£14,553£200,014
3.80%£516.866.74%£999Fixed6.4% APRC27m27m£14,259£199,691
3.81%£517.406.99%£1,025Fixed5.8% APRC63m63m£17,481£192,594
3.81%£516.937.49%£999Fixed7.0% APRC28m28m£14,356£211,172
3.85%£519.596.87%£999Fixed6.5% APRC29m29m£14,520£201,137

LenderInitial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total CostTotal Amount Payable Over Term
3.78%£515.776.75%£999Fixed6.4% APRC27m27m£14,553£200,014
3.80%£516.866.74%£999Fixed6.4% APRC27m27m£14,259£199,691
3.81%£517.406.99%£1,025Fixed5.8% APRC63m63m£17,481£192,594
3.81%£516.937.49%£999Fixed7.0% APRC28m28m£14,356£211,172
3.85%£519.596.87%£999Fixed6.5% APRC29m29m£14,520£201,137

LenderInitial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total CostTotal Amount Payable Over Term
4.11%£533.427.49%£1,499Tracker7.1% APRC28m0m£14,301£212,609
4.19%£538.386.74%£1,014Tracker6.5% APRC24m0m£13,435£201,129
4.21%£539.505.99%£1,024Tracker5.9% APRC24m0m£14,052£189,792
4.24%£541.186.74%£999Tracker6.5% APRC24m0m£13,637£201,392
4.25%£541.746.75%£999Tracker6.6% APRC24m0m£13,976£201,907

This table is based on a residential property value of £200,000 and a mortgage secured against that property of £100,000 (assuming no fees added), calculated on a capital & repayment basis (repayment mortgage) over a term of 25 years (300 monthly payments).
Source: Mortgage Brain. This information was last revised on 19 Aug 2025 at 06:20 hours
Disclaimer: The guidance on this calculator is for illustrative purposes only and may not represent the actual outcome