May 16, 2026
Mortgage Calculator Updated - Overpayments
The mortgage calculator now allows you to add an annual overpayment amount to show how much could be saved over the term and how the term is reduced.
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October 12, 2025
Mortgage Affordability Calculator
I have created a simple mortgage affordability calculator. It's to give a view from someone who understands affordability, but it's not a guarantee that a mortgage will be given.
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October 2, 2025
UK mortgage approvals and high-end demand: where things stand - August 2025
UK mortgage approvals dipped in August 2025, with remortgaging weaker and high-value demand cooling as buyers await clarity from the November Budget.
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September 5, 2025
New Mortgage Calculator: See What Your Mortgage Really Costs
Use our free Mortgage Calculator to quickly estimate monthly repayments or interest-only costs. Adjust amount, term, and rate to see total payments, balance charts, and stress test scenarios.
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October 25, 2024
Pay mortgage or top up pension?
A question recently received poses an interesting quandary about whether to use bonus payments to reduce a mortgage or top up a pension.
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April 23, 2022
Is buying a home worth it?
A question from a young man in Inverness contemplating one of the biggest decisions he will face. Should he buy a house? Will he be able to afford it with all the rising costs and so on? These are good questions to be asked and always best asked before actually going ahead.
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