What info do you need to decide on a mortgage?

[jonjo]

I have had the following offer for repayments on 210,800 euro over 25 years:

3.10% (1 year fixed) 1,010.64
3.65% (2 year fixed) 1,072.75
3.99% (3 year fixed) 1,111.52
4.40% (5 year fixed) 1,159.76
3.78% (standard variable) 1,087.23

Do you think they are competitive?
However it seems to me that a lot more information is required before commiting oneself? Is there a minimum amount of 'small print' you would want to see? fees/fines if I repay early? APR? Cost per 1000euro? What if I change vendor after 1 year fixed? any more?
Thanks in advance

 

[ClubMan]

Have you shopped around for the best rates? Does this lender not offer a competitive tracker variable rate? No fines/penalties apply to the early repayment of owner occupier tracker/variable rate mortgages. However penalties will apply in the case of early repayment of fixed rate mortgages. There are lots of existing threads dealing with the whole fixed versus tracker/variable rate mortgage choice. The key cost metric for loans is the APR but cost per thousand is useful too. Ignore the nominal rate as it is no use when comparing loans across providers.