A mortgage of £119,700.00 payable over 35 years initially on a fixed rate of 4.29% for 5 years and then on our current standard variable rate of 5.35% for the remaining 30 years would require 59 monthly payments of £551.59 and 360 monthly payments of £623.12 plus one initial interest payment of £436.13.

The total amount payable would be £258,002.14 made up of the loan amount, plus interest and fee(s) totalling £138,302.14. This includes Application Fee (£199), Chaps Fee (£25), Legal Fees (£350) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.1% APRC representative.

A mortgage of £119,700.00 payable over 35 years initially on a fixed rate of 3.99% for 2 years and then on our current standard variable rate of 5.35% for the remaining 33 years would require 23 monthly payments of £529.86 and 396 monthly payments of £627.37 plus one initial interest payment of £405.64.

The total amount payable would be £261,729.94 made up of the loan amount, plus interest and fee(s) totalling £142,029.94. This includes Application Fee (£199), Chaps Fee (£25), Legal Fees (£350) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

A mortgage of £118,925 payable over 35 years initially on a fixed rate of 3.99% for 2 years and then on our current standard variable rate of 5.35% for the remaining 33 years would require 23 monthly payments of £526.43 and 396 monthly payments of £623.38 plus one initial interest payment of £390.01.

The total amount payable would be £260,260.38 made up of the loan amount, plus interest and fee(s) totalling £141,335.38. This includes Application Fee (£199), Chaps Fee (£25), Legal Fees (£255), Completion Fee (£300) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

A mortgage of £137,250 payable over 32 years initially on a fixed rate of 3.49% for 3 years and then on our current standard variable rate of 5.35% for the remaining 29 years would require 35 monthly payments of £594.72 and 348 monthly payments of £736.53 plus one initial interest payment of £393.70.

The total amount payable would be £278,925.34 made up of the loan amount, plus interest and fee(s) totalling £141,675.34. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£800) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.1% APRC representative.

A mortgage of £145,306.00 payable over 37 years initially on a fixed rate of 3.29% for 2 years and then on our current standard variable rate of 5.35% for the remaining 35 years would require 23 monthly payments of £566.96 and 420 monthly payments of £745.05 plus one initial interest payment of £392.92.

The total amount payable would be £327,758.00 made up of the loan amount, plus interest and fee(s) totalling £182,452.00. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£800) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.2% APRC representative.

A mortgage of £134,476 payable over 25 years initially on a fixed rate of 3.39% for 5 years and then on our current standard variable rate of 5.35% for the remaining 20 years would require 59 monthly payments of £379.89 and 240 monthly payments of £599.56 plus one initial interest payment of £374.69.

The total amount payable would be £303,287.60 made up of the loan amount, plus interest and fee(s) totalling £168,811.60. This includes Application Fee (£199), Valuation Fee (£225), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,300) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.0% APRC representative.

A mortgage of £140,000 payable over 25 years initially on a variable rate, currently 2.99% for 3 years and then on our current standard variable rate of 5.35% for the remaining 22 years would require 35 monthly payments of £664.66 and 264 monthly payments of £828.96 plus one initial interest payment of £344.05.

The total amount payable would be £243,601.59 made up of the loan amount, plus interest and fee(s) totalling £103,601.59. This includes Application Fee (£199), Chaps Fee (£25), Completion Fee (£800) and Redemption Administration Fee (£125).

The overall cost for comparison is 4.9% APRC representative.

A mortgage of £114,750 payable over 19 years initially on a variable rate, currently 2.99% for 2 years and then on our current standard variable rate of 5.35% for the remaining 17 years would require 23 monthly payments of £662.48 and 204 monthly payments of £791.21 plus one initial interest payment of £282.00.

The total amount payable would be £178,329.88 made up of the loan amount, plus interest and fee(s) totalling £63,579.88. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£800) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.1% APRC representative.

A mortgage of £134,476.00 payable over 25 years initially on a fixed rate of 3.85% for 5 years and then on our current standard variable rate of 5.35% for the remaining 20 years would require 59 monthly payments of £431.44 and 240 monthly payments of £599.58; plus one initial interest payment of £425.53

The total amount payable would be £306,384.69 made up of the loan amount, plus interest and fee(s) totalling £171,908.69.  This includes Application Fee (£199), Valuation Fee (£225), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,300) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.1% APRC representative.

A mortgage of £125,000.00 payable over 30 years initially on a variable rate, currently 3.49% for 2 years and then on our current standard variable rate of 5.35% for the remaining 28 years would require 23 monthly payments of £363.54 and 336 monthly payments of £557.32 plus one initial interest payment of £358.56.

The total amount payable would be £322,383.50 made up of the loan amount, plus interest and fee(s) totalling £197,383.50.  This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£800) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

A mortgage of £125,000.00 payable over 30 years initially on a variable rate, currently 2.95% for 2 years and then on our current standard variable rate of 5.35% for the remaining 28 years would require 23 monthly payments of £307.29 and 336 monthly payments of £557.31 plus one initial interest payment of £303.08.

The total amount payable would be £321,793.41 made up of the loan amount, plus interest and fee(s) totalling £196,793.41.  This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,562.50) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

A mortgage of £250,000.00 payable over 25 years initially on a variable rate, currently 2.79% for 3 years and then on our current standard variable rate of 5.35% for the remaining 22 years would require 35 monthly payments of £581.25 and 264 monthly payments of £1,114.53 plus one initial interest payment of £590.78.

The total amount payable would be £567,666.45 made up of the loan amount, plus interest and fee(s) totalling £317,666.45. This includes Application Fee (£199), Valuation Fee (£592), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,300) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.0% APRC representative.

A mortgage of £120,000.00 payable over 15 years initially on a variable rate, currently 2.29% for 3 years and then on our current standard variable rate of 5.35% for the remaining 12 years would require 35 monthly payments of £229.00 and 144 monthly payments of £535.04 plus one initial interest payment of £225.86.

The total amount payable would be £206,190.62 made up of the loan amount, plus interest and fee(s) totalling £86,190.62. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£300) and Redemption Administration Fee (£125).

The overall cost for comparison is 4.7% APRC representative.

A mortgage of £44,000.00 payable over 11 years initially on a variable rate, currently 2.59% for 2 years and then on our current standard variable rate of 5.35% for the remaining 9 years would require 23 monthly payments of £94.97 and 108 monthly payments of £196.16 plus one initial interest payment of £96.52.

The total amount payable would be £68,370.11 made up of the loan amount, plus interest and fee(s) totalling £24,370.11. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£300) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.1% APRC representative.

A mortgage of £125,000.00 payable over 24 years initially on a variable rate, currently 3.29% for 2 years and then on our current standard variable rate of 5.35% for the remaining 22 years would require 23 monthly payments of £342.71 and 264 monthly payments of £557.26 plus one initial interest payment of £348.33.

The total amount payable would be £282,751.30 made up of the loan amount, plus interest and fee(s) totalling £157,751.30. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,800) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

A mortgage of £125,000.00 payable over 30 years initially on a variable rate, currently 3.59% for 2 years and then on our current standard variable rate of 5.35% for the remaining 28 years would require 23 monthly payments of £373.96 and 336 monthly payments of £557.32 plus one initial interest payment of £368.84.

The total amount payable would be £323,633.44 made up of the loan amount, plus interest and fee(s) totalling £198,633.44.  This includes: Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,800) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.4% APRC representative.

A mortgage of £900,000.00 payable over 10 years initially on a variable rate, currently 2.35% for 2 years and then on our current standard variable rate of 5.35% for the remaining 8 years would require 23 monthly payments of £8,485.84 and 96 monthly payments of £9,517.99 plus one initial interest payment of £1,738.36.

The total amount payable would be £1,115,488.72 made up of the loan amount, plus interest and fee(s) totalling £215,488.72. This includes Application Fee (£199), Chaps Fee (£25), Completion Fee (£4,500) and Redemption Administration Fee (£125).

The overall cost for comparison is 4.4% APRC representative.

A mortgage of £93,000 payable over 35 years initially on a fixed rate of 3.79% for 2 years and then on our current standard variable rate of 5.35% for the remaining 33 years would require 23 monthly payments of £400.61 and 396 monthly payments of £486.94 plus one initial interest payment of £289.70.

The total amount payable would be £203,030.97 made up of the loan amount, plus interest and fee(s) totalling £110,030.97. This includes Application Fee (£199), Chaps Fee (£25), Legal Fees (£350) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

A mortgage of £85,000.00 payable over 35 years initially on a variable rate, currently 3.15% for 2 years and then on our current standard variable rate of 5.35% for the remaining 33 years would require 23 monthly payments of £223.13 and 396 monthly payments of £378.97 plus one initial interest payment of £220.07.

The total amount payable would be £242,047.18 made up of the loan amount, plus interest and fee(s) totalling £157,047.18.  This includes Application Fee (£199), Legal Fees (£255), Valuation Fee (£169), Chaps Fee (£25), Completion Fee (£850) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

A mortgage of £325,000.00 payable over 11 years initially on a variable rate, currently 2.19% for 2 years and then on our current standard variable rate of 5.35% for the remaining 9 years would require 23 monthly payments of £2,791.54 and 108 monthly payments of £3,195.14 plus one initial interest payment of £602.85.

The total amount payable would be £410,787.39 made up of the loan amount, plus interest and fee(s) totalling £85,787.39. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£300) and Redemption Administration Fee (£125).

The overall cost for comparison is 4.4% APRC representative.

A mortgage of £50,000.00 payable over 15 years initially on a variable rate, currently 3.29% for 2 years and then on our current standard variable rate of 5.35% for the remaining 13 years would require 23 monthly payments of £137.08 and 156 monthly payments of £222.93 plus one initial interest payment of £135.21.

The total amount payable would be £88,669.13 made up of the loan amount, plus interest and fee(s) totalling £38,669.13.  This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.2% APRC representative.

A mortgage of £280,000.00 payable over 25 years initially on a variable rate, currently 3.99% for 2 years and then on our current standard variable rate of 5.35% for the remaining 23 years would require 23 monthly payments of £1,479.28 and 276 monthly payments of £1,683.14 plus one initial interest payment of £918.25

The total amount payable would be £501,438.33 made up of the loan amount, plus interest and fee(s) totalling £221,438.33.  This includes Application Fee (£199), Valuation Fee (£347), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

A mortgage of £ 116,000.00 payable over 30 years initially on a variable rate, currently 3.59% for 2 years and then on our current standard variable rate of 5.35% for the remaining 28 years would require 23 monthly payments of £527.55 and 336 monthly payments of £642.09 plus one initial interest payment of £342.28.

The total amount payable would be £229,990.17 made up of the loan amount, plus interest and fee(s) totalling £113,990.17.  This includes Application Fee (£199), Valuation Fee (£169), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

A mortgage of £105,000.00 payable over 33 years initially on a fixed rate of 4.29% for 3 years and then on our current standard variable rate of 5.35% for the remaining 30 years would require 35 monthly payments of £496.68 and 360 monthly payments of £561.20 plus one initial interest payment of £370.23.

The total amount payable would be £221,558.03 made up of the loan amount, plus interest and fee(s) totalling £116,558.03.  This includes Application Fee (£199), Valuation Fee (£169), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.4% APRC representative.

A mortgage of £225,000.00 payable over 25 years initially on a fixed rate of 4.59% for 3 years and then on our current standard variable rate of 5.35% for the remaining 22 years would require 35 monthly payments of £1,264.40 and 264 monthly payments of £1,354.55 plus one initial interest payment of £848.84.

The total amount payable would be £404,654.04 made up of the loan amount, plus interest and fee(s) totalling £179,654.04.  This includes Application Fee (£199), Valuation Fee (£347), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.4% APRC representative.

A mortgage of £104,878.00 payable over 25 years initially on a fixed rate of 4.99% for 3 years and then on our current standard variable rate of 5.35% for the remaining 22 years would require 35 monthly payments of £613.53 and 264 monthly payments of £633.75 plus one initial interest payment of £430.14.

The total amount payable would be £191,163.69 made up of the loan amount, plus interest and fee(s) totalling £86,285.69.  This includes Application Fee (£199), Valuation Fee (£347), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.6% APRC representative.

A mortgage of £150,000.00 payable over 25 years initially on a variable rate, currently 3.39% for 2 years and then on our current standard variable rate of 5.35% for the remaining 23 years would require 23 monthly payments of £743.69 and 276 monthly payments of £898.00 plus one initial interest payment of £417.95.

The total amount payable would be £267,841.82 made up of the loan amount, plus interest and fee(s) totalling £117,841.82. This includes Application Fee (£199), Valuation Fee (£868), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

A mortgage of £105,000.00 payable over 33 years initially on a fixed rate of 3.99% for 3 years and then on our current standard variable rate of 5.35% for the remaining 30 years would require 35 monthly payments of £477.92 and 360 monthly payments of £559.76 plus one initial interest payment of £344.34.

The total amount payable would be £220,357.14 made up of the loan amount, plus interest and fee(s) totalling £115,357.14. This includes Application Fee (£199), Valuation Fee (£169), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.3% APRC representative.

A mortgage of £328,000.00 payable over 30 years initially on a variable rate, currently 3.09% for 2 years and then on our current standard variable rate of 5.35% for the remaining 28 years would require 23 monthly payments of £1,401.20 and 336 monthly payments of £1,809.61 plus one initial interest payment of £833.03.

The total amount payable would be £643,075.59 made up of the loan amount, plus interest and fee(s) totalling £315,075.59. This includes: Application Fee (£199), Valuation Fee (£383), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.1% APRC representative.

A mortgage of £142,000.00 payable over 40 years initially on a variable rate, currently 2.59% for 5 years and then on our current standard variable rate of 5.35% for the remaining 35 years would require 59 monthly payments of £306.48 and 420 monthly payments of £633.11 plus one initial interest payment of £302.28.

The total amount payable would be £428,172.80 made up of the loan amount, plus interest and fee(s) totalling £286,172.80. This includes Application Fee (£199), Valuation Fee (£383), Chaps Fee (£25), Completion Fee (£800), Legal Fees (£350) and Redemption Administration Fee (£125).

The overall cost for comparison is 4.8% APRC representative.

A mortgage of £100,000.00 payable over 10 years initially on a fixed rate of 3.35% for 3 years and then on our current standard variable rate of 5.35% for the remaining 7 years would require 35 monthly payments of £279.17 and 84 monthly payments of £445.88 plus one initial interest payment of £275.34.

The total amount payable would be £149,510.21 made up of the loan amount, plus interest and fee(s) totalling £49,510.21. This includes Application Fee (£199), Valuation Fee (£511), Chaps Fee (£25), Completion Fee (£800), Legal Fees (£350) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.0% APRC representative.

A mortgage of £101,000.00 payable over 35 years initially on a fixed rate of 3.89% for 5 years and then on our current standard variable rate of 5.35% for the remaining 30 years would require 59 monthly payments of £441.06 and 360 monthly payments of £522.84 plus one initial interest payment of £322.92.

The total amount payable would be £215,435.86 made up of the loan amount, plus interest and fee(s) totalling £114,435.86. This includes Application Fee (£199), Chaps Fee (£25), Legal Fees (£350), Valuation Fee (£169) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.0% APRC representative.

A mortgage of £452,200.00 payable over 25 years initially on a variable rate, currently 3.19% for 3 years and then on our current standard variable rate of 5.35% for the remaining 22 years would require 35 monthly payments of £1,202.10 and 264 monthly payments of £2,016.25; plus one initial interest payment of £1,185.63

The total amount payable would be £1,030,164.13 made up of the loan amount, plus interest and fee(s) totalling £577,964.13.  This includes Application Fee (£199), Valuation Fee (£511), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,300) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.1% APRC representative.

A mortgage of £129,109.00 payable over 20 years initially on a variable rate, currently 3.25% for 3 years and then on our current standard variable rate of 5.35% for the remaining 17 years would require 35 monthly payments of £349.67 and 204 monthly payments of £575.67 plus one initial interest payment of £344.88.

The total amount payable would be £261,727.01 made up of the loan amount, plus interest and fee(s) totalling £132,618.01.  This includes Application Fee (£199), Valuation Fee (£194), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,800) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.2% APRC representative.

A mortgage of £129,109.00 payable over 20 years initially on a variable rate, currently 3.25% for 3 years and then on our current standard variable rate of 5.35% for the remaining 17 years would require 35 monthly payments of £349.67 and 204 monthly payments of £575.67 plus one initial interest payment of £344.88.

The total amount payable would be £261,727.01 made up of the loan amount, plus interest and fee(s) totalling £132,618.01. This includes Application Fee (£199), Valuation Fee (£194), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,800) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.2% APRC representative.

A mortgage of £110,000.00 payable over 18 years initially on a variable rate, currently 3.05% for 3 years and then on our current standard variable rate of 5.35% for the remaining 15 years would require 35 monthly payments of £664.72 and 180 monthly payments of £776.22 plus one initial interest payment of £275.75.

The total amount payable would be £164,128.55 made up of the loan amount, plus interest and fee(s) totalling £54,128.55. This includes Application Fee (£199), Legal Fees (£350), Valuation Fee (£169), Chaps Fee (£25) and Redemption Administration Fee (£125).

The overall cost for comparison is 4.8% APRC representative.

A mortgage of £100,000.00 payable over 22 years initially on a fixed rate of 3.49% for 3 years and then on our current standard variable rate of 5.35% for the remaining 19 years would require 35 monthly payments of £544.53 and 228 monthly payments of £634.33 plus one initial interest payment of £286.85.

The total amount payable would be £165,075.64 made up of the loan amount, plus interest and fee(s) totalling £65,075.64. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£499) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.0% APRC representative.

A mortgage of £273,750.00 payable over 34 years initially on a variable rate, currently 2.75% for 3 years and then on our current standard variable rate of 5.35% for the remaining 31 years would require 35 monthly payments of £1,035.06 and 372 monthly payments of £1,427.18 plus one initial interest payment of £618.75.

The total amount payable would be £569,602.81 made up of the loan amount, plus interest and fee(s) totalling £295,852.81. This includes Application Fee (£199), Valuation Fee (£347), Legal Fees (£350), Chaps Fee (£25), Completion Fee (£800) and Redemption Administration Fee (£125).

The overall cost for comparison is 4.9% APRC representative.

A mortgage of £180,000.00 payable over 10 years initially on a fixed rate of 2.79% for 2 years and then on our current standard variable rate of 5.35% for the remaining 8 years would require 23 monthly payments of £1,733.24 and 96 monthly payments of £1,910.82 plus one initial interest payment of £425.36.

The total amount payable would be £225,331.60 made up of the loan amount, plus interest and fee(s) totalling £45,331.60. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£125).

The overall cost for comparison is 4.7% APRC representative.

A mortgage of £102,000.00 payable over 10 years initially on a fixed rate of 3.29% for 3 years and then on our current standard variable rate of 5.35% for the remaining 7 years would require 35 monthly payments of £279.65 and 84 monthly payments of £454.72 plus one initial interest payment of £284.23.

The total amount payable would be £152,341.46 made up of the loan amount, plus interest and fee(s) totalling £50,341.46. This includes Application Fee (£199), Valuation Fee (£169), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,300) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.0% APRC representative.

A mortgage of £134,476.00 payable over 25 years initially on a fixed rate of 2.74% for 3 years and then on our current standard variable rate of 5.35% for the remaining 22 years would require 35 monthly payments of £307.05 and 264 monthly payments of £599.59 plus one initial interest payment of £302.85.

The total amount payable would be £305,881.36 made up of the loan amount, plus interest and fee(s) totalling £171,405.36. This includes Application Fee (£199), Re-mortgage Valuation Fee (£160), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£1,300) and Redemption Administration Fee (£125).

The overall cost for comparison is 5.1% APRC representative.

A mortgage of £263,996.00 payable over 30 years initially on a variable rate, currently 1.99% for 3 years and then on our current standard variable rate of 5.35% for the remaining 27 years would require 35 monthly payments of £976.45 and 324 monthly payments of £1,428.63 plus one initial interest payment of £431.80.

The total amount payable would be £498,387.67 made up of the loan amount, plus interest and fee(s) totalling £234,391.67. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£300) and Redemption Administration Fee (£125).

The overall cost for comparison is 4.7% APRC representative.