Would you get a mortgage or loan?

[notsurewhichisbest]

I need £25,000. To save on arrangement fees, valuations etc, would I be better off getting a loan if the interest rate was comparable? What are the advantages of a mortgage? TIA 🙃

Loan. £25k is a fairly standard amount you can get from a bank. A five year loan you'd be paid off at about £550 a month.

It's quite a bit harder I've found to increase a mortgage and often involves reapplying. Bank loans have been fairly simple.