Mortgage advisory tools

Use any of these right now — no account, no application, no credit pull. Everything is worked out on this page from the figures you enter, and your figures stay in this browser until you choose to save them.

Mortgage Advisory Tools

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Planning tools

My Goals Financial health Debt consolidation Equity and borrowing capacity Should I refinance?Credit readiness Business owner income Strategy & Reports

Homeowner tools

Lifetime Dashboard Annual Review Realtor Sharing Reminders

Analysis and readiness

Educational planning tools. No credit report is pulled, nothing here is an approval, and every figure comes from what is entered on screen.

Nothing saved yet

Fixed-payment model: every existing debt keeps paying exactly the amount entered, month after month, with no minimum-payment recalculation. Balances you keep are still counted, so the comparison covers everything you owe.

The new loan

Kind of loanInterest rate

Term

years

Costs and fees

Most the new loan can be

Leave empty if there is no limit yet.Horizon to compare over

Add the costs to the loan instead of paying them up front

Mortgage balance today

Mortgage rate

Months left on the mortgage

Mortgage payment (loan only)

Where the rate came fromRate as of

Over 5 years

Keeping things as they are

Monthly paymentsUnknown

Paid over the periodUnknown

Of that, interestUnknown

Still owed at the endUnknown

Cost over the periodUnknown

Cost to clear everythingUnknown

With the new loan

New loan amountUnknown

Monthly paymentsUnknown

Costs paid up frontUnknown

Costs added to the loanUnknown

Paid over the periodUnknown

Of that, interestUnknown

Still owed at the endUnknown

Cost over the periodUnknown

Cost to clear everythingUnknown

Change in monthly paymentsUnknown

Change in total costUnknown

Read this carefully

• The current mortgage is counted once on each side: paid off by the new loan, and kept in the comparison for the same period.
• Everything above covers the 5-year comparison period only. The cost of paying every balance off in full cannot be worked out from the figures entered.

Missing information

• current mortgage balance, interest rate, monthly payment
• the costs and fees on the new loan (enter 0 if there are none)
• the rate on the new loan
• the term of the new loan

Planning arithmetic on the figures entered, over one common period: the cash paid out, the part of it that is interest, and the balance still owed at the end. It is not an offer, an approval or advice to borrow.

Nothing is saved yet — these figures are only in this browser.

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