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Mortgage Comparison Calculator

Compare two loan offers side by side — payment, total interest and the true cost with fees.

Comparing two mortgage offers means looking past the headline rate to the true total cost: monthly payment, total interest over the term, and arrangement fees. A lower rate with a large fee only wins if you keep the loan long enough to break even, which this calculator works out for you.

Runs in your browser
Privacy
Runs entirely in your browser — nothing is uploaded
Cost
Free, unlimited, no sign-up

Frequently asked questions

Why does a lower rate sometimes cost more?

Because of fees and term. A rate half a point lower with a large arrangement fee can take years to pay for itself, and stretching the term lowers the payment while raising total interest substantially.

How to use the mortgage comparison calculator

  1. 1Set the loan amount.
  2. 2Set the offer a rate.
  3. 3Set the offer a term.
  4. 4Set the offer a fees.
  5. 5Set the offer b rate.
  6. 6Set the offer b term.
  7. 7Set the offer b fees.
  8. 8Choose the currency symbol.
  9. 9The result appears immediately — copy or download it.

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Put the working mortgage comparison calculator on your own site. It runs in your visitors' browsers exactly as it does here — free, no account, nothing uploaded.

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