TermZero
Free UK mortgage calculator that shows your true cost
What it does
TermZero is a free mortgage calculator for the UK that goes beyond the standard "monthly payment" number. It shows your true cost including fees, models the payment shock you'll face when your fixed rate ends and you roll onto your lender's SVR, calculates stamp duty for England, Scotland, and Wales, and compares overpaying your mortgage versus investing in a Stocks & Shares ISA. No sign-up required, completely free.
Calculate your true mortgage costs, SVR payment shock, stamp duty, and compare overpaying vs investing in a S&S ISA with the UK
The amount of cash you are putting down upfront. Typically at least 5% to 10% of the property price. The current estimated market value of your property. Lenders use this to calculate your Loan-to-Value (LTV) ratio. The total outstanding amount you currently owe to your existing mortgage lender. The total length of the mortgage. 25 years is standard, but many now opt for 30 or 35 years to lower their monthly repayments. Interest Only: Your loan balance remains the same; you only pay the interest charges each month. The introductory interest rate for your mortgage (e.g., your 2 or 5-year fixed rate). How long your initial interest rate is guaranteed for before it reverts to the lender's…from termzero.co.uk
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