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Compare two mortgage offers side by side. Rates alone can mislead — this tool includes fees to reveal the genuinely cheaper total cost.
Result
Option B is cheaper
Saving $26,536.37 over the full term.
A lower rate paired with high arrangement fees can cost more overall than a slightly higher rate with low fees, especially on shorter terms.
Disclaimer: This calculator provides estimates for informational purposes only and is not financial, tax, or legal advice. Verify figures with a qualified professional before making decisions.