Compare Two Mortgages

Our compare two mortgages calculator shows two deals side by side — monthly payment, total interest, and total cost. Compare a 2-year vs 5-year fix, or your existing mortgage against a remortgage deal.

Enter the details for two mortgage products: loan amount, interest rate, term, and any arrangement fees for each. Arrangement fees can be paid upfront or added to the mortgage — adding them means you pay interest on them, which the calculator factors in. The comparison shows monthly payment, total interest, and total cost (interest plus fees) for each option. A lower rate with a high arrangement fee is not always cheaper than a higher rate with no fee — total cost is the number that matters. If you are comparing a fixed rate against a tracker, input the current tracker rate; be aware the tracker rate will change with base rate movements, which this calculation cannot predict.