Higher fee, lower rate — or no fee, higher rate?
Compare up to 5 mortgage products side-by-side. We factor in the remaining balance when your deal ends — not just the monthly payment — to give you the true total cost.
Compare up to 5 mortgage products
Lenders often let you pick a higher fee for a lower rate, or no fee with a higher rate. The right choice depends on your loan size and the length of the deal — we'll do the maths.
Monthly payments over your fixed term + the arrangement fee + the remaining mortgage balance when the deal ends. A lower rate pays off more capital, so it leaves you with less to remortgage — we capture that here.
Your mortgage
The products you're comparing
Things to keep in mind
What this calculator covers — and what it doesn't.
True total cost includes: Monthly payments over the fixed term, the arrangement fee paid upfront, and the remaining mortgage balance — calculated using your selected-year mortgage term.
Other costs to factor in: Valuation fees, legal fees, and any early repayment charges if you switch before the fixed period ends. We don't include these here.
Adding the fee to the loan: Most lenders let you add the arrangement fee to your mortgage balance, but you'll pay interest on it over the full term. This calculator assumes the fee is paid upfront.
For guidance only. Please consult a mortgage advisor for personalised advice.
Frequently asked questions
Common questions about mortgage fees and rates.