Initial RateInitial PaymentReverting RateTotal FeesTypeInitial Period (months)3 Year Total Cost
4.74%£952.057.24%£995Fixed37m£34,969
4.75%£953.275.74%£1,024Tracker60m£35,172
4.89%£970.504.89%£999Tracker0m£36,037
4.89%£970.506.00%£850Variable36m£35,888
4.95%£977.934.95%£470Variable0m£35,775
5.03%£987.886.49%£15Fixed36m£35,079

Initial RateInitial PaymentReverting RateTotal FeesTypeInitial Period (months)3 Year Total Cost
4.74%£952.057.24%£995Fixed37m£34,969
4.93%£975.456.29%£0Fixed39m£36,999
5.03%£987.886.49%£15Fixed36m£35,079
5.10%£996.617.74%£35Fixed38m£36,177
5.15%£1,002.876.94%£15Fixed37m£36,313
5.21%£1,009.677.24%£0Fixed38m£36,098

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
6.25%£1,144.806.25%£124Tracker0m£41,077
6.25%£1,144.806.25%£374Tracker0m£41,327
6.25%£1,144.806.25%£490Tracker0m£41,443
6.25%£1,144.806.25%£490Tracker0m£41,443

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 13 Jul 2026 at 03:03 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.