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May be a bit late to the party but I have used this excel spreadsheet in the past to compare different mortgage deals to get my head round what works better.
http://www.locostfireblade.co.uk/spreadsheet/Index.html
Found on this thread of MSE
http://forums.moneysavingexpert.com/showthread.php?t=1157173
Bernhard
Two options with the same mortgage (2 year fixed at 1.14%):
Select a term of 10 years, pay £1,200/month
Select a term of 20 years, pay £650/month and overpay up to the £1,200.
Why am I considering option 2? Because overpayments come off the capital, not a combination of interest and capital.
Would this make sense to do?