# What is mortgage APRC?

> Quick answer · Last updated 5 July 2026

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## In short

Annual Percentage Rate of Charge — total mortgage cost including fees and assumed revert rate over the full term. It helps compare deals with different fees and revert SVRs.

Headline interest rate ignores arrangement fees and expensive revert assumptions.

APRC assumes you keep the mortgage full term — few people do, but it standardises comparison.

Still model your actual expected deal length plus remortgage plans.

See compare mortgage deals guide.

## Related

- [Compare mortgage deals](https://moneyguide.org.uk/mortgages/compare-mortgage-deals-guide/)
- [Remortgage guide](https://moneyguide.org.uk/mortgages/remortgage-guide/)

## Primary source

fca.org.uk/consumers/mortgages

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.