LenderInitial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total Cost
3.99%£527.286.49%£0Fixed6.2% APRC25m25m£12,005
3.99%£527.286.49%£15Fixed6.2% APRC24m24m£12,170
4.04%£530.055.74%£25Fixed5.5% APRC26m26m£12,326
4.04%£530.056.74%£30Fixed6.4% APRC26m26m£12,401
4.14%£535.607.49%£0Fixed7.0% APRC25m25m£12,554

LenderInitial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total Cost
3.99%£527.286.49%£0Fixed6.2% APRC25m25m£12,005
3.99%£527.286.49%£15Fixed6.2% APRC24m24m£12,170
4.04%£530.055.74%£25Fixed5.5% APRC26m26m£12,326
4.04%£530.056.74%£30Fixed6.4% APRC26m26m£12,401
4.14%£535.607.49%£0Fixed7.0% APRC25m25m£12,554

LenderInitial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total Cost
4.25%£541.745.74%£25Tracker5.6% APRC24m24m£12,857
4.47%£554.136.74%£30Tracker6.4% APRC26m26m£12,979
3.94%£524.536.49%£1,014Tracker6.3% APRC24m0m£13,103
4.40%£550.176.80%£8Tracker6.3% APRC26m26m£13,277
3.99%£527.286.49%£999Tracker6.3% APRC24m0m£13,304

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 02 Jan 2026 at 04:02 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.