Use the same borrowing amount, term and deposit in each mortgage calculator, then compare the monthly payment and total amount repayable. Check whether the figures include fees, valuation costs, cashback and any early repayment charges, as these can change the overall cost. Remember that calculator results are estimates and may not reflect your eligibility or the rate a lender offers after an affordability assessment. For a more reliable comparison, check the lender’s latest information or speak to an FCA-authorised mortgage adviser.