It compares the selected deal window only
The calculator uses the period you choose, such as 2 years or 5 years, instead of projecting one introductory rate across the full mortgage term.
Mortgage Comparison Calculator
Mortgage comparison calculator for deal-window and fee planning
Compare the mortgage quotes or product-transfer options in front of you across a 2-year, 5-year or custom window, then weigh the monthly payment, fees and balance left at the end of that period.
Deal-window comparisonFee and APRC contextBalance after window shown
Comparison Rule
Compare rate, APRC and product fee together
Product Fees
Product fees are often around £1,000 to £2,000 or more
Deal-End Risk
Many fixed deals roll onto the lender's SVR if no action is taken before expiry
On This Page
Calculator
Compare the deals in front of you on the window you actually expect to keep them
Compare two or more quotes or transfer options on a cleaner like-for-like basis. The result stays tied to the deal window you choose, which is usually the part of the decision you can judge most directly.
Comparison Context
These are editable example inputs, not live market quotes. Replace each line with the actual deal details you have been shown before using the result for a real decision.
£
years
Compare the introductory window you actually want to judge, such as 2 years or 5 years.
Comparison Summary
Selected Window
2 yearsLowest Initial Deal Cost
Deal C (£21,635)Interest during 2 years plus product fee.
Lowest Monthly Payment
Deal C (£1,336.21)Lowest Balance After Window
Deal C (£238,066)Useful when two deals look similar on monthly cost but repay capital at different speeds.
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£
years
%
Record the lender's quoted APRC here if you have it.
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£
years
%
Record the lender's quoted APRC here if you have it.
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£
years
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Record the lender's quoted APRC here if you have it.
Lowest initial deal cost in this window
| Deal | Rate | APRC | Fee | Monthly | Interest (2 years) | Balance After Window | Initial Deal Cost | vs Lowest |
|---|---|---|---|---|---|---|---|---|
| Deal A | 4.29% | — | £999 | £1,359.95 | £20,978 | £238,339 | £21,977 | +£342 |
| Deal B | 4.45% | — | £0 | £1,382.50 | £21,771 | £238,591 | £21,771 | +£136 |
| Deal C(lowest window cost) | 4.12% | — | £1,499 | £1,336.21 | £20,136 | £238,066 | £21,635 | Lowest |
What the highlighted result means
The highlighted deal is the one with the lowest initial deal cost across the selected window after combining interest paid during that period with the product fee. It is not a promise that the same deal will still be best after the window ends.
Interpret with care if the repayment terms differ
These deals currently use the same repayment term, so the monthly and balance comparisons are cleaner than they would be on a mixed-term comparison.
How To Compare
How to compare mortgage deals without flattening everything into one headline rate
A useful comparison needs more than the lowest rate on the screen. These checks keep the fee, repayment structure and end-of-window balance in view at the same time.
The highlighted result is the lowest initial deal cost, not a universal winner
The planner can flag which deal costs least over the selected window once interest and product fee are combined, but it does not pretend that this alone settles the full mortgage decision.
Balance movement is shown alongside the monthly payment
If one deal leaves a much higher balance at the end of the window, that matters. This is where simplistic comparison pages usually hide the real trade-off.
Interpretation
What to compare before calling one deal 'better'
A useful comparison page helps borrowers look past the first number in the rate table.
Headline rate and APRC are not the same thing
APRC gives wider context than the headline rate alone. You can record the quoted APRC here, while the cost model still stops at the window you choose.
Product fees can flip the result
Product fees can run to around £1,000 to £2,000 or more. That means the loan size and rate gap matter: a fee deal can win on one case and lose on another.
A longer term can manufacture a lower monthly payment
If two deals use different repayment terms, the lower monthly payment may simply mean slower capital repayment. The balance-after-window column is there to stop that distortion.
Next Tools
Use this comparison page with the pages that answer the next decision
Once the comparison is clearer, these pages help you move into fees, remortgaging and end-of-deal timing.
Fees Planner
Use the fees planner if you need to build out valuation, legal and buying-cost lines behind the product fee.
Remortgage Planner
Move on to the remortgage planner if your comparison also includes ERCs or the decision to leave early.
Interest Rate Planner
Use the rate planner when the bigger question is fixed versus tracker structure rather than choosing between specific quotes.
Mortgage Deal Ending
Read the action-plan page if the comparison now depends mainly on expiry timing rather than the maths alone.
Frequently Asked Questions
Does this calculator find the best mortgage for the whole loan term?
No. The planner compares the deal window you choose, such as 2 years or 5 years. That is deliberate because an introductory rate, fee and term do not tell you the full-life outcome once the deal ends.
Why does the page compare more than the headline rate?
A useful comparison needs more than the rate alone. APRC and product fees add important context, and a lower rate can still be a weaker result if the fee is high or the balance reduction is weaker.
Why does the table show the balance after the window?
Because monthly payment alone can be misleading. A deal with a longer repayment term can look cheaper each month while leaving you owing more when the introductory period ends.
Can a fee-paying deal still beat a fee-free deal?
Yes. It depends on the loan size, the rate gap, the fee and the deal window. This planner keeps that trade-off visible instead of forcing every case into one universal winner.
What happens if I do nothing when my current fixed deal ends?
Many borrowers move onto their lender's standard variable rate if they take no action when a fixed deal ends.