Compare two mortgages
Two deals, side by side. Different rates, fees, terms — same maths. See the monthly difference, the lifetime difference, and which deal wins once fees are included.
All figures assume rates hold for the full term — real fixes typically last 2–5 years.
| Deal A | Deal B | Δ | |
|---|---|---|---|
| Loan amount | £280,000 | £280,000 | — |
| LTV | 80.0% | 80.0% | 0.0pp |
| Monthly payment | £1,548 | £1,501 | +£47 |
| Total interest | £184,519 | £170,370 | +£14,149 |
| Upfront fees | £999 | £1,499 | −£500 |
| Total cost over term | £465,518 | £451,869 | +£13,649 |
Deal B costs £47/mo less and £13,649 less over the term.
Warning: lifetime totals assume the headline rate runs the whole 25 years. Most fixes are 2–5 years; the longer-term comparison is illustrative.
Need a verdict the comparison table can't give you?
Total cost isn't always the answer — fee structure, deal length, and your remortgage horizon matter. Ask the AI agent which deal fits your situation.
On iOS, side-by-side comparison and saved scenarios are LadderIQ Pro features — so you can name and re-open comparisons across weeks of shopping. From £3.99/month.
How to read the comparison
A lower headline rate isn't always the cheaper deal — fees, term length, and whether you add fees to the loan can flip the answer. We compute the total cost over the full term (monthly × months + upfront fees + any added-to-loan fees with their interest baked in) so the "winner" reflects the all-in £ cost.
The total assumes the headline rate holds for the entire term. Most UK fixes are 2–5 years, after which you'd remortgage. For short-horizon comparisons, focus on the monthly payment and the fees row — those reflect real cash leaving your account during the fix.
Estimates only — not regulated financial advice. Real deals have ERCs, product features, and lender service quality that this comparison doesn't model.