What is mortgage APRC?
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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.
Last reviewed:
Reviewed by Kaiser Khan
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.
Primary source: fca.org.uk/consumers/mortgages
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