LenderInitial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total CostTotal Amount Payable Over Term
3.25%£1,096.467.74%£6,775Fixed7.3% APRC26m26m£33,189£487,531
3.62%£1,140.949.14%£9,540Fixed8.6% APRC29m29m£43,483£542,235
3.62%£1,140.949.14%£9,540Fixed8.6% APRC29m29m£43,483£542,235
4.22%£1,215.137.24%£3,530Fixed7.0% APRC27m27m£36,821£471,250
4.42%£1,240.438.74%£1,595Fixed7.0% APRC63m63m£40,033£491,678

LenderInitial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total CostTotal Amount Payable Over Term
3.25%£1,096.467.74%£6,775Fixed7.3% APRC26m26m£33,189£487,531
3.62%£1,140.949.14%£9,540Fixed8.6% APRC29m29m£43,483£542,235
3.62%£1,140.949.14%£9,540Fixed8.6% APRC29m29m£43,483£542,235
4.22%£1,215.137.24%£3,530Fixed7.0% APRC27m27m£36,821£471,250
4.42%£1,240.438.74%£1,595Fixed7.0% APRC63m63m£40,033£491,678

LenderInitial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total CostTotal Amount Payable Over Term
4.74%£1,281.477.24%£2,030Tracker7.0% APRC27m27m£33,701£473,212
5.19%£1,340.357.12%£1,183Tracker7.0% APRC24m0m£33,451£472,529
5.35%£1,361.617.74%£1,020Tracker7.5% APRC26m26m£33,798£495,591

This table is based on a BTL property value of £300,000 and a mortgage secured against that property of £225,000 (assuming no fees added), with an expected monthly rental income of £1,000. This is 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 20 Jun 2025 at 05:15 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.