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Representative example: if you borrow £34,480 over 10 years , initially on a fixed rate for 5 years at 7. the best uk credit cards 60% and for the remaining 5 years on the lenders standard variable rate of 8 10%, you will make 60 monthly payments of £467 50 and 60 monthly payments of £473 06 The total repayable would be £56,528 60 ( This includes a lender fee of £