Free comparison tool
Compare monthly payments, remaining-term savings and the time needed to recover switching costs.
Illustrative comparison
Also compare insurance, cards, fees and total cost; the nominal rate does not describe the whole transaction.
Review my mortgageRead the result properly
Keep the remaining term consistent when comparing rates, then include valuation, applicable compensation and every cost assigned to you. If the new product requires insurance or other linked products, compare their actual prices too.
A longer term can lower the payment while increasing total interest. The break-even period is particularly important if you may sell or repay the mortgage early.
Frequently asked questions
It compares two repayment schedules with the same balance and remaining term, then subtracts the costs you enter and shows how many months the monthly saving needs to recover them.
Valuation, any compensation or fee set out in your deed and every amount the new offer assigns to you. Ask for the breakdown in writing rather than using a generic percentage.
No. Term, insurance, linked products, fees and total cost all matter. Extending the term can reduce the monthly payment while increasing the total amount repaid.
From estimate to decision
We review the deed, the fees and the linked products to tell you whether switching, renegotiating or staying put is the better move.
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