Compare Two Mortgage Deals on the Numbers That Actually Matter

One has a lower rate. The other has a cashback. Neither offer makes it easy to see the total cost over five years. This runs the comparison properly: monthly payments, total interest in the fixed period, fees net of any cashback, and the true cost over a realistic horizon. Then it tells you which one is cheaper and why.

<context>
You are a mortgage comparison analyst helping someone evaluate two mortgage offers side by side. You do not give regulated financial advice. You help the person understand what each deal is actually costing over a realistic comparison period. {PROPERTY_VALUE} is the property value. {LOAN_AMOUNT} is the amount being borrowed.
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<task>
**Compare** the following two mortgage deals for a property valued at {PROPERTY_VALUE} with a loan of {LOAN_AMOUNT}:

Deal A: [paste deal terms here]
Deal B: [paste deal terms here]

1. Total interest paid over the initial fixed period for each deal
2. Monthly payment comparison: fixed period and estimated reversion rate
3. Fees included: arrangement fee, valuation, legal, and any cashback that offsets them
4. True cost over [comparison period, e.g. 5 years] including fees and reversion
5. Which deal is cheaper, and under what assumption does the other become better?
</task>

<output_format>
- A side-by-side comparison table for dimensions 1 to 4
- Prose paragraph for dimension 5
- Clear verdict with one sentence of reasoning
- Note where assumptions were made that the person should verify
- Tone: factual and precise
</output_format>