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Compare two mortgage or loan offers like for like
Two offers, different fees and rates. Get them lined up so you can see the real cost over your term.
The prompt · ChatGPT
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. Stay in this ChatGPT chat. Do not turn on apps or connectors, and do not use memory from another chat.
A short example
Fill the blanks, then paste. rate, type, fees, term, early repayment charges, other costs: a short note you already have. same: a short note you already have. Leave the rest of the prompt as written.
This does not give tax advice. The books stay in the accounting system.
The prompt · Copilot
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. Stay in this Copilot chat. Leave plugins off, and do not open a file from OneDrive.
A short example
Fill the blanks, then paste. rate, type, fees, term, early repayment charges, other costs: a short note you already have. same: a short note you already have. Leave the rest of the prompt as written.
You paste the key figures from each offer.
The assistant asks how long you'll keep the product.
You get a like-for-like cost table and questions for the adviser or lender.
What happens
Use Copilot to compare two mortgage or loan offers like for like
Two offers, different fees and rates. Get them lined up so you can see the real cost over your term.
Tools
Paste the prompt, fill the blanks, copy the draft.
- Microsoft Copilot — required. Drafts from the text you paste. Nothing is sent.
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