Mortgage Interest and Repayment splits

bubbleskins

What I am trying to work out is when I reduce my term from 20 years to 12 years whether I am better to go with 1.12% or 1.54% 2 year fixed.  As the former has a fee involved I am trying to see how much capital I will have reduced over the 2 years to see if with the 1.54 is offer I will have reduced less of the loan when I look for another deal in 2 years ?(i.e. some of the monthly payment will have been paying extra interest rather than repaying capital borrowed).
I have tried to look for information on various websites;
mortgagecalculator.uk suggests more capital than interest is paid from day one while the example from the which information (t2nd table below)  suggests the opposite is true and I have to say my recollection was this this was the way it tended to work:

Can someone advise or are there different models?

			Int	Cap	Bal	1.12 25years
24.02%	75.98%	1	2,105.09	6,657.90	184,342.10
23.17%	76.83%	2	2,030.14	6,732.85	177,609.25
22.30%	77.70%	3	1,954.34	6,808.65	170,800.60
21.43%	78.57%	4	1,877.69	6,885.30	163,915.30
20.54%	79.46%	5	1,800.18	6,962.81	156,952.49
19.65%	80.35%	6	1,721.80	7,041.19	149,911.30
18.74%	81.26%	7	1,642.53	7,120.46	142,790.84
17.83%	82.17%	8	1,562.37	7,200.62	135,590.21
16.90%	83.10%	9	1,481.31	7,281.68	128,308.53
15.97%	84.03%	10	1,399.33	7,363.66	120,944.87
15.02%	84.98%	11	1,316.43	7,446.56	113,498.31
14.07%	85.93%	12	1,232.60	7,530.39	105,967.93
13.10%	86.90%	13	1,147.83	7,615.16	98,352.76
12.12%	87.88%	14	1,062.10	7,700.89	90,651.87
11.13%	88.87%	15	975.41	7,787.59	82,864.29
10.13%	89.87%	16	887.74	7,875.26	74,989.03
9.12%	90.88%	17	799.08	7,963.91	67,025.12
8.10%	91.90%	18	709.42	8,053.57	58,971.55
7.06%	92.94%	19	618.76	8,144.23	50,827.32
6.01%	93.99%	20	527.07	8,235.92	42,591.40
4.96%	95.04%	21	434.36	8,328.63	34,262.76
3.89%	96.11%	22	340.60	8,422.40	25,840.37
2.80%	97.20%	23	245.78	8,517.21	17,323.16
1.71%	98.29%	24	149.89	8,613.10	8,710.06
0.60%	99.40%	25	52.93	8,710.06	0.00

Which

yr	outstand	Int	Cap	Int %	Cap %
1	£200,000	£5,925	£5,456	52%	48%
2	£194,544	£5,759	£5,622	51%	49%
3	£188,923	£5,588	£5,793	49%	51%
4	£183,130	£5,412	£5,969	48%	52%
5	£177,161	£5,231	£6,150	46%	54%
6	£171,011	£5,044	£6,337	44%	56%
7	£164,673	£4,851	£6,530	43%	57%
8	£158,143	£4,652	£6,729	41%	59%
9	£151,414	£4,448	£6,933	39%	61%
10	£144,481	£4,237	£7,144	37%	63%
11	£137,336	£4,019	£7,362	35%	65%
12	£129,975	£3,795	£7,586	33%	67%
13	£122,389	£3,565	£7,816	31%	69%
14	£114,573	£3,327	£8,054	29%	71%
15	£106,519	£3,082	£8,299	27%	73%
16	£98,220	£2,830	£8,551	25%	75%
17	£89,668	£2,569	£8,812	23%	77%
18	£80,857	£2,301	£9,080	20%	80%
19	£71,777	£2,025	£9,356	18%	82%
20	£62,421	£1,741	£9,640	15%	85%
21	£52,781	£1,448	£9,934	13%	87%
22	£42,848	£1,145	£10,236	10%	90%
23	£32,612	£834	£10,547	7%	93%
24	£22,065	£513	£10,868	5%	95%
25	£11,197	£183	£11,198	2%	98%

getmore4less

over complicating

add the fee, make the payment the same

see what's left after 2 years.

you have given the rates but not the fee or the amount borrowed or the term
I will give it a guess as £200k  £999 fee 25years

amount	rate	payment	owing in 2 years
£200,999.00	1.12%	£803.64	£186,054.31
£200,000.00	1.54%	£803.64	£186,677.14