Mortgage Calculator

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.

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; it can be paid upfront or added to the loan. Fee handling changes true comparison outcomes, so it is worth checking alongside rate every time.

Annual borrowing rate for your selected mortgage structure and period. This is one of the strongest drivers of payment and lifetime borrowing cost, so regular checks keep your plan grounded.

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.

Chart display mode controlling depth and style of visual information. Standard mode gives core trend context; premium modes add focused comparison views for cost timing, equity progression, payment affordability, and savings outcomes.

Compares cumulative mortgage cash outflow over time for baseline versus overpayment strategy. Use this to identify when one path becomes cheaper and how large the cost difference is by your selected horizon.

Shows remaining balance and equity built across the timeline for baseline and with overpayments. This helps you see how quickly ownership grows and how overpayments accelerate balance reduction.

Shows loan-to-value trajectory for baseline and with overpayments over time. Use this to see how quickly LTV falls toward common remortgage thresholds like 90%, 85%, 80%, and 75%.

Shows total interest saved from increasing monthly overpayment plus marginal gain between overpayment steps. It also marks the maximum marginal-efficiency point with a vertical Max line so you can quickly spot where incremental return is strongest.

Running total of interest saved over time compared with baseline. This gives a clean long-horizon view of how quickly overpayment strategy benefits accumulate.

Displays grouped affordability comparisons including monthly mortgage payment, monthly overpayment, and total monthly outflow. Use it as a fast affordability screen before interpreting long-horizon totals.

Compares full-term impacts by metric, including total interest paid, total payments made, and total mortgage cash outflow. This view is useful when you want a clean pounds-saved comparison.

Tracks remaining mortgage balance through the selected timeline. This is the foundational trend view and is useful before moving to higher-detail premium comparison charts.

Shows principal paid and interest paid composition over time. It helps you see where payments are going and when principal repayment starts to dominate.

Shows remaining principal and projected remaining interest obligations. Use this to understand outstanding debt structure rather than only headline remaining balance.

Repayment structure showing principal and interest evolution. It helps you see when interest dominance fades and principal reduction accelerates.

Projected timeline to significant LTV thresholds. These milestones often influence refinance options and future product pricing.

Recurring extra amount added to standard monthly payment. Sustainable monthly overpayments can create meaningful long-run interest savings.

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.

Estimated recurring payment under selected assumptions. This is the central affordability check for most decision workflows.

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.

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.

Contextual purchase-cost impact in scenario comparisons. Transaction costs can materially alter complete affordability.

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.

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.

Display/output currency mode for calculation views. Keeps interpretation consistent when you review figures across 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.

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. This can make repeated analysis sessions feel smoother and more consistent.

In the Mortgage Manager popup, the Compare tab lists saved mortgage comparisons so you can reopen, select, bulk-delete, and review available share-link status without rebuilding scenario selections and control settings.

Comparison scenarios are passed from Mortgage Manager into the compare page. This keeps your compare session tied to named, saved options instead of one-off temporary edits.

Switches recommendation focus between lowest total cost and lowest monthly payment. Use this first so the recommendation logic lines up with what matters most in your current decision.

Cycles the comparison horizon between 5 years, 10 years, full term, and custom hold period. This is useful because the best option at 5 years is not always the best option over full term.

Lets you choose between default weighting and custom weighting for recommendation scoring. In custom mode, you can tune Monthly, Total, and Risk priorities to reflect your own trade-off profile.

Applies a rate shock overlay (Base, +0.5%, +1.0%) to test recommendation stability under less favorable conditions. This gives you a quick sensitivity check before committing to one option.

Sets the reference scenario used for break-even and horizon delta comparisons. Choose the scenario you are most likely to proceed with today so savings and extra-cost bars are easy to interpret.

Highlights leading scenarios for monthly affordability and total paid at the chosen horizon, with a recommendation summary. Read these cards as a directional shortlist, then confirm with the grouped table below.

Explains recommendation logic in plain terms using your active goal, horizon, weights, and stress mode. This helps you understand not only which option leads, but why it leads.

Detailed table grouped by Payments, Cost, and Term & Payoff. This is where you validate exact values such as initial/revert outflow, fee treatment, estimated total paid, and break-even month.

Compares initial and revert monthly outflow per scenario, including recurring overpayment. Use this as a quick affordability gate before prioritizing long-horizon totals.

Compares estimated cumulative cash outflow at the selected horizon, including relevant fee handling. This is your fastest visual for horizon-based cost ranking.

Shows running total paid over time for each scenario, with a horizon marker. This chart helps you see when options diverge and whether early savings persist later.

Shows months until each scenario becomes cheaper than the selected baseline. Use this to understand crossover timing and to avoid switching just for short-term headline wins.

Displays savings or extra cost versus baseline at the active horizon. Negative bars are savings; positive bars are extra cost, making trade-offs clear at a glance.

Lists what is included in totals, the active stress overlay, and generation timestamp. Use this as a confidence check that you are comparing with the intended assumptions.

Stores the current compare setup (selected scenarios plus controls) to your account so you can return to a consistent decision snapshot later.

Creates and copies an opaque share URL backed by server-stored compare state, so the link can reopen the same context without exposing raw scenario IDs in the address bar.