A smarter way to borrow

^*Representative example: A loan of £100,000 over 25 years results in 60 monthly payments of £691.82 at a fixed annual rate of  5.94% and 240 monthly payments of £747.88 at a reversion rate of 3.09% above the Bank of England Base Rate. The total cost over the full term is £218,453.28, including interest of £118,453.28, an arrangement fee of £3,000 and a product fee of £995 added to the balance. APRC: 7.38%.