Initial RateInitial PaymentReverting RateTotal FeesTypeInitial Period (months)3 Year Total Cost
4.49%£921.646.00%£850Variable36m£34,129
4.75%£953.275.74%£1,024Tracker60m£35,172
4.89%£970.504.89%£999Tracker0m£36,037
4.95%£977.934.95%£470Variable0m£35,775
5.16%£1,004.137.60%£499Variable36m£36,748
5.31%£1,023.036.49%£15Fixed36m£36,344

Initial RateInitial PaymentReverting RateTotal FeesTypeInitial Period (months)3 Year Total Cost
5.15%£1,002.878.14%£224Fixed61m£39,648
5.29%£1,020.506.80%£8Fixed38m£36,811
5.31%£1,023.036.49%£15Fixed36m£36,344
5.35%£1,028.097.74%£35Fixed38m£37,310
5.49%£1,045.907.24%£995Fixed37m£38,347
5.51%£1,047.707.24%£0Fixed38m£37,467

Initial RateInitial PaymentReverting RateTotal FeesTypeInitial Period (months)3 Year Total Cost
4.75%£953.275.74%£1,024Tracker60m£35,172
4.89%£970.504.89%£999Tracker0m£36,037
6.34%£1,156.756.34%£1,694Tracker0m£43,462
6.54%£1,183.466.54%£1,765Tracker0m£44,495
6.54%£1,183.466.54%£1,765Tracker0m£44,495
6.54%£1,183.466.54%£2,064Tracker0m£44,794

This table is based on a residential property value of £240,000 and a mortgage secured against that property of £195,000 (assuming no fees added), calculated on a capital & repayment basis (repayment mortgage) over a term of 35 years (420 monthly payments).
Source: Mortgage Brain. This information was last revised on 03 Apr 2026 at 03:17 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.