Mortgage Deal Comparison Calculator
Comparing two or more mortgage offers? Enter each deal's rate, fees and cashback, pick how long you plan to compare them over, and see which one is genuinely cheapest — not just which has the lowest headline rate.
Estimate only. This is an estimate for comparison purposes only — it assumes each rate stays level for the whole comparison period and does not include every possible mortgage cost. Not financial advice; speak to a mortgage adviser before choosing a deal.
Enter at least 2 offers to compare
Add each offer's loan amount, rate and fees, and pick your comparison period — the cheapest deal appears here.
Why the cheapest deal can depend on how long you compare it over
A mortgage deal's headline interest rate only tells part of the story. Arrangement fees, valuation fees and cashback are usually one-off amounts, paid whether you keep the deal for 2 years or 10 — so a deal with a low rate but a high fee needs time for its lower interest to outweigh that upfront cost. This calculator adds up the actual interest paid plus every fee, minus any cashback, over the number of years you choose, so you can see which offer is genuinely cheapest for how long you're actually likely to keep it — not just which one looks best on the rate alone.