Total Mortgage Cost
See the full price of your mortgage — what you pay vs. what you borrowed.
How Your Payments Split
In the early years, most of your monthly payment goes to the bank — not your home equity.
The Power of One Extra Payment
Making 13 payments instead of 12 each year has a surprisingly dramatic effect on your total interest and term.
| Scenario | Monthly | Total Paid | Total Interest | Term |
|---|
2-Year vs 5-Year Fixed Rate
Remortgaging fees add up. See how product fees compound over your full term.
| Strategy | Remortgages | Total Fees | Total Interest | Grand Total |
|---|
Offset Mortgage vs. Investing
Should you use savings to reduce your mortgage interest — or invest for growth?
Stamp Duty & True Buying Cost
SDLT is paid upfront and often forgotten. See the full cash needed before your first mortgage payment.
Rent vs. Buy Comparison
Buying isn't always better — it depends on how long you stay, how prices move, and what you do with your deposit if you rent instead.
Rate Sensitivity Tool
What happens to your payments and total cost when rates change? Essential stress-testing for any homeowner approaching renewal.
| Rate Scenario | Monthly Payment | vs Current | Extra per Year | Total Interest |
|---|
Early Repayment Charge (ERC)
Leaving a fixed deal early triggers a penalty. Find out whether switching is worth it — even after paying the ERC.
Deposit Impact
A bigger deposit doesn't just reduce your loan — it unlocks better rates, lower LTV bands, and dramatically less interest over the life of your mortgage.
Rates below reflect typical LTV-tiered pricing. Click any rate to adjust it.
| Deposit | LTV | Rate (%) | Monthly | Total Interest | Total Cost |
|---|
Life of Loan Inflation Adjuster
Your payment stays fixed, but inflation erodes its real value. In 20 years, £1,500/month feels very different. See what it's actually worth over time.
| Year | Monthly Payment | Real Value (Today's £) | Purchasing Power Lost | Real as % of Nominal |
|---|
SVR Danger Zone Avoid This
Falling onto your lender's Standard Variable Rate is one of the most expensive mortgage mistakes. Model the exact cost — and compare your real alternatives: fix or tracker.
| Scenario | Monthly | Total Interest | vs Fix Now | Exit Fees? |
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