If you borrow £178,000 over a 25-year term at 4.52% p.a. (fixed) for 60 months reverting to 7.50% p.a. (variable) for the remaining term, you would make 60 monthly payments of £991.40 and 240 monthly payments of £1260.27. The total payable would be £363,327.80, which includes the interest of £183,949, valuation fees of £0 and a product fee of £999. The overall cost for comparison is 6.5% APRC representative.
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