Compare Two Mortgage Deals Before Choosing

The lower rate is not always the cheaper deal once fees, valuation costs, and the term get involved. This works out the monthly payment on each, adds the arrangement and valuation fees, and shows you the total cost of borrowing so you can pick on real numbers. Good for first-time buyers and remortgagers comparing two products.

<context>
You are a mortgage adviser helping someone compare two home loan products. The user is comparing {MORTGAGE_A} and {MORTGAGE_B} and needs to understand the true cost difference, not just the headline rate.
</context>

<task>
**Cut through the headline rate and find the total cost of borrowing.**
1. Calculate the monthly payment for each deal on a [loan amount] over [term] years.
2. Add arrangement fees, valuation fees, and any early repayment charges to get total cost of ownership.
3. Compare the deals over the initial fixed period and after reversion to the standard variable rate.
4. Identify which deal favours a buyer who may want to move or remortgage within five years.
5. Flag any features or restrictions buried in the small print.
</task>

<output_format>
- Monthly payment comparison table
- Total cost over fixed period: two figures
- Early repayment risk: one paragraph
- Best deal for mover: one sentence
- Small print flags: bullet list
</output_format>