Mortgage Calculator: Compare the Actual Cost of Rates and Fees

Real-cost mortgage calculator – compare offers on rates AND fees

Our True Cost Mortgage Calculator allows you to really compare how different home loans stack up by checking the arrangement fees that add up to the overall cost over the life of a transaction.

It will show you the monthly payments for competing mortgages and more importantly allow you to add fees, so you can compare the total cost over a transaction period, like a two- or five-year fixed rate mortgage.

Figures are for standard repayment mortgages. For interest-only calculations, use our Mortgage Accessibility Calculator or the Interest-Only Time Bomb Calculator.

Compare the real mortgage costs

Calculate mortgage costs and see which is the best deal, including rates and fees. You can either use one part to calculate the costs of a single mortgage, or both to compare loans

Explanation in small print: The total cost of credit is based on the prepaid charges not added to the mortgage and the cost overrun period is based on the original rate which remains the same during that period. The calculator is for a repayment mortgage where interest is calculated monthly. The results also apply to daily interest where only one payment is made per month.


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