Compare Tool
Compare two mortgage scenarios
Two deals, side-by-side. See which is cheaper monthly, which costs least in interest, and the true lifetime cost including fees.
AScenario A
BScenario B
Side-by-side results
Metric
Scenario A
Scenario B
Monthly payment
£1,390
£1,194
Total interest
£166,874
£179,674
Arrangement fees
£999
£0
Lifetime cost
£417,873
£429,674
Verdict: Scenario B is £196/month cheaper. Over the full term, Scenario A saves £11,800 in total cost.
How this works: Each scenario uses the standard UK repayment-mortgage formula (capital + interest, equal monthly payments). Lifetime cost = total payments + arrangement fees. We don't include early-repayment charges, valuation fees or insurance — add those to the fee field for a true comparison.