# 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.

**URL:** https://convertto.tech/t/mortgage-comparison-calculator
**Category:** Calculators (https://convertto.tech/c/calculators)
**Privacy:** Runs entirely in the browser; no upload
**Cost:** Free, no sign-up
**Last updated:** 2026-08-01

## Key facts

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

## How to use

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

## FAQ

### 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.

## Related tools

- [Loan & EMI Calculator](https://convertto.tech/t/loan-emi-calculator): Calculate monthly repayments, total interest and the full cost of a loan.
- [Rent vs Buy Calculator](https://convertto.tech/t/rent-vs-buy-calculator): Compare the total cost of renting against buying over a period you choose.
- [Simple Interest Calculator](https://convertto.tech/t/simple-interest-calculator): Calculate simple interest and see how it differs from compound interest.
- [Compound Interest Calculator](https://convertto.tech/t/compound-interest-calculator): Project savings growth with compound interest and regular contributions.
- [Weighted Decision Matrix](https://convertto.tech/t/decision-matrix): Score options against weighted criteria and see which choice actually wins.
- [FD Calculator](https://convertto.tech/t/fd-calculator): Work out what a fixed deposit matures to, with quarterly compounding and TDS accounted for.
- [RD Calculator](https://convertto.tech/t/rd-calculator): Work out what a monthly recurring deposit matures to, with quarterly compounding.
- [Unit Price Comparator](https://convertto.tech/t/unit-price-comparator): Work out which pack size is actually cheaper per unit, weight or volume.
- [Debt Payoff Calculator](https://convertto.tech/t/debt-payoff-calculator): Compare snowball and avalanche repayment strategies across several debts.