Mortgage Comparison Calculator: which deal is cheaper?
A lower rate isn't always the cheaper deal once fees are included. Compare two mortgages over the fixed period to see the true cost.
Estimates for information only, using 2026/27 rates for England, Wales and Northern Ireland unless stated. Not financial or tax advice; check your own situation with HMRC or a qualified adviser.
How it works
For each deal we work out the monthly payment, then add up payments and fees over the fixed period.
We also show the balance left at the end of the fixed period, since a deal that clears more debt is worth more.
If you add the fee to the loan, you also pay interest on it, so we include that.
Frequently asked questions
Should I add the fee to my mortgage?+
Adding it keeps cash in your pocket but you pay interest on it for the whole term. Paying upfront is usually cheaper overall.
Is a 2 or 5 year fix better?+
It depends on rates and your plans. Compare the total cost and how certain you want your payments to be.