Property value
GBP 425,000Estimated purchase value used to derive LTV and borrowing requirements. LTV tiers and product eligibility depend directly on this input, so keep it aligned to likely transaction reality.
Training Guide
User-focused training reference for each card and setting. Use it to understand why each control exists, when to update it, and how to avoid common interpretation errors.
Core borrowing assumptions that feed all payment and cost outputs.
Why Use This Card
Most downstream calculations are only as good as these core assumptions.
Recommended Workflow
Estimated purchase value used to derive LTV and borrowing requirements. LTV tiers and product eligibility depend directly on this input, so keep it aligned to likely transaction reality.
Deposit contribution as value/percent toward property purchase. Deposit size has a direct impact on affordability, borrowing cost, and product access.
Recommendation
compare at least two realistic deposit levels to see payment and LTV trade-offs clearly.
Principal borrowed after deposit and fee treatment decisions. This base amount drives repayment and total interest outcomes across the full forecast.
Product fee charged by lender; can be paid upfront or added to loan. Fee handling changes true comparison outcomes and should always be evaluated alongside rate.
Annual borrowing rate for selected mortgage structure and period. This is one of the strongest drivers of payment and lifetime borrowing cost, so it should be reviewed frequently.
Recommendation
use your current best quote as base case and stress-test with +1.0%.
Mortgage duration used to compute repayment schedule and cost profile. Longer terms reduce monthly payment but can significantly increase total interest, so this is a strategic trade-off control.
Recommendation
compare two nearby terms (for example 25 and 30 years) before choosing.
Visual and tabular interpretation layer for repayment dynamics.
Why Use This Card
Improves decision quality by exposing trajectory, not just headline totals.
Recommended Workflow
Chart display mode controlling depth and style of visual information. Use this to switch between quick scanning and deeper analytical review.
Repayment structure showing principal and interest evolution. It helps users understand when interest dominance fades and principal reduction accelerates.
Projected timeline to significant LTV thresholds. These milestones often influence refinance options and future product pricing.
Assesses extra payment impact on cost reduction and term shortening.
Why Use This Card
Extra payments can generate meaningful interest savings when applied consistently.
Recommended Workflow
Recurring extra amount added to standard monthly payment. Sustainable monthly overpayments can create meaningful long-run interest savings.
Recommendation
start with a conservative recurring amount and increase only after a few stable months.
Single lump-sum principal reduction applied at selected points. Useful for bonus/windfall planning without relying on fixed recurring commitments.
Lender-style cap reference for permitted annual overpayment level. Keeps repayment plans within practical product constraints.
Recommendation
keep this aligned with your product documents and avoid assuming higher caps.
Decision summary panel for affordability and cost comparisons.
Why Use This Card
Provides a clear shortlist view for decision-making.
Recommended Workflow
Estimated recurring payment under selected assumptions. This is the central affordability check for most decision workflows.
Recommendation
target a payment level that remains comfortable under stress-tested rates.
Projected total interest paid over the plan horizon. This reveals long-term debt-service cost beyond monthly affordability.
Aggregate borrowing cost estimate across the full term. Use this to compare rate, fee, and term trade-offs on a consistent basis.
Projected loan-to-value improvement under the selected plan. LTV trajectory can strongly influence future refinance flexibility.
Premium tools for break-even analysis and rate stress testing.
Why Use This Card
Improves robustness when rates, fees, and uncertainty interact.
Recommended Workflow
Official References
Threshold rate where no-fee products become preferable. This is a practical rule for fee-versus-rate comparisons.
Payment outcomes under stressed rate assumptions. Use this to test affordability resilience before committing.
Recommendation
include at least one adverse scenario above base case before final decisions.
Contextual purchase-cost impact in scenario comparisons. Transaction costs can materially alter complete affordability.
Premium planning module for reaching specific LTV tiers.
Why Use This Card
Bridges high-level goals (for example 75% LTV) to actionable monthly behavior.
Recommended Workflow
Desired LTV milestone used for recommendation calculations. Target choice defines effort level and likely timing.
Estimated recurring overpayment required to reach target by timeline. Converts strategic objective into clear monthly behavior.
One-click action that updates overpayment input to suggested level. Designed to speed iteration and reduce manual adjustment friction.
Premium detailed repayment schedule and period control.
Why Use This Card
Detailed audit view supports high-confidence decision validation.
Recommended Workflow
Controls which segment of the mortgage timeline is displayed. Different periods reveal different risk and cost dynamics.
Detailed rows of payment, interest paid, and remaining balance. Useful for validating counterintuitive outputs and deeper comparisons.
High-granularity data suitable for deeper reporting workflows. Supports transparent review beyond headline metrics.
Premium controls for advanced planning context and constraints.
Why Use This Card
Lets power users adapt outputs to operational context without changing core logic.
Recommended Workflow
Display/output currency mode for calculation views. Keeps interpretation consistent for users with different reporting contexts.
Date anchor used for timeline and schedule calculations. Start-date accuracy improves milestone interpretation and planning alignment.
Cap configuration used for overpayment recommendation guardrails. Keeps recommendations aligned to practical product constraints.
Premium scenario save/load workflow for structured comparison.
Why Use This Card
Scenario persistence helps users compare options consistently over time.
Recommended Workflow
Persist current setup with a meaningful scenario label. This supports structured comparisons over time.
Restore saved scenario state for additional analysis. Enables rapid side-by-side option review.
Behavior options such as auto-load for faster workflows. Improve consistency and speed in repeated analysis sessions.