The analysis shows the average rate for two-year fixes hit a low in October 2011 falling to 3.82% but has now risen back up to 4.1%.
It means borrowers paying £27.31 per month or £327.72 per year more for repayments based on a £150,000 mortgage.
Five year fixes also hit a low in January this year of 4.57% but have now risen to 4.72%.
It adds an extra £12.81 per month or £153.72 over the course of a year.
For two-year trackers, the average rate was at its lowest in August 2011 at 3.37% but now stands at 3.63%, hitting consumers with an extra £20.91 per month payment or £250.92 over the year.
SVRs have also increased on a number of deals at lenders such as Halifax, Royal Bank of Scotland, the Co-operative Bank and Bank of Ireland.
Clare Francis, mortgage expert at Moneysupermarket.com, says borrowers should act sooner rather than later to secure one of the current rates in case they rise further.
She says: “An increasing number of people have opted to stick with their existing lender and move onto the SVR when their fixed or introductory tracker or discounted period ended, as opposed to remortgaging elsewhere. However, as around one million borrowers are about to find out next month, many SVRs can rise even if base rate doesn’t.