Compare two mortgage or loan offers like for like

Help me compare two mortgage or loan offers like for like.

Offer A: [rate, type, fees, term, early repayment charges, other costs]
Offer B: [same]
How long I expect to keep it: [years]
My priority: [lowest monthly, lowest total, flexibility]

Ask me up to 3 short questions first if anything important is missing. Wait for my answers.

Then:
1. A like-for-like table of monthly cost, fees, and total over my expected time.
2. Differences that aren't about the rate.
3. Questions to ask the lender or adviser.
4. A clear summary of which looks cheaper on my numbers, and what would change that.
5. Point me to MoneyHelper; remind me a regulated adviser may be needed.

Show the sums. Only use what I've told you, leave blanks for anything I haven't given, and don't invent facts, figures or products. This is help organising my own numbers and wording, not financial advice; point me to MoneyHelper, GOV.UK or Citizens Advice for guidance, and to a free regulated debt adviser if I'm struggling to pay. UK English.

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