Home Loan Comparison Calculator
Compare two home loan offers side by side to see monthly payments, total interest and the real cost once fees are included.
Compare Your Options And Get Clear Answers
Compare two home loan offers side by side to see monthly payments, total interest and the real cost once fees are included.
Home Loan Comparison Estimator
Enter your numbers below for an instant estimate.
How It Works
Key concepts behind this calculator
Monthly Payment
Calculated from the amount, rate and term using the standard repayment formula.
Total Interest
Payments over the term minus the amount borrowed.
Add Fees
Add arrangement and other fees to find the true total cost.
Use As A Guide
Results are estimates based on your inputs. Check real quotes, rates and professional advice before deciding.
Repayment Examples
Monthly repayment per £100,000 over 25 years.
| Interest Rate | Monthly Payment | Total Interest | Total Repaid |
|---|---|---|---|
| 3.0% | £474 | £42,200 | £142,200 |
| 4.0% | £528 | £58,400 | £158,400 |
| 5.0% | £585 | £75,500 | £175,500 |
| 6.0% | £644 | £93,300 | £193,300 |
| Rule of Thumb | 1% rate change ≈ 11% payment change | Include fees | Check early repayment |
Home Loan Comparison Calculator FAQ
Answers to common questions about this calculator.
Compare the monthly payment, total interest, fees and flexibility, ideally using the APRC.
Not if it carries high fees or a short fixed period. Check total cost over the time you will hold the loan.
A shorter term saves interest but raises the monthly payment. Pick a term you can afford comfortably.
No. It is an estimate. Speak to a regulated adviser before choosing a mortgage.