Mortgage calculator: Compare the true cost of rates and fees

True cost mortgage calculator – compare deals on both rates AND fees

Our True cost mortgage calculator allows you to really compare how different home loans stack up by checking what arrangement fees add to the overall cost over the life of a deal.

It will tell you the monthly repayments for rival mortgages and crucially let you add fees, so that you can compare the total cost over a deal period, such as a two, or five-year fixed rate mortgage.

Figures are worked out for standard repayment mortgages. For interest-only calculations use either our Mortgage affordability calculator or the Interest-only timebomb calculator.

Compare true mortgage costs

Work out mortgage costs and check what the real best deal taking into account rates and fees. You can either use one part to work out a single mortgage costs, or both to compare loans

Small print explanation: The total cost for credit is based onfees being paid upfront and not added to the mortgage and the cost overdeal period is based on the initial rate remaining the same over thattime. The calculator is for a repayment mortgage where interest iscalculated monthly. The results also apply to daily interest where onlyone payment is made per month.

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