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How to see which is the best deal?

Strictlytaylor
Posts: 1 Newbie
I am at the end of a two year fixed rate deal and struggling to assess which is the best new deal to go for. The two key variables that I want are 1) The total of the payments over the period (typically amount x 24 monthly payments and 2) the remaining balance at the end of the 24 months. Am I right about this?
It doesn't seem to me to be enough just to add up the total payments + charges in order to evaluate the best deal? Could it be the case for example, that a higher mortgage charge with a lower interest rate, applied to a smaller loan amount will be generally less of a good deal than for a higher loan amount? Does this make sense? Does anyone know of a good calculator that can help work this out? Do I need to go back to school?
Many thanks
It doesn't seem to me to be enough just to add up the total payments + charges in order to evaluate the best deal? Could it be the case for example, that a higher mortgage charge with a lower interest rate, applied to a smaller loan amount will be generally less of a good deal than for a higher loan amount? Does this make sense? Does anyone know of a good calculator that can help work this out? Do I need to go back to school?
Many thanks
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