This professional planner helps you visualize your mortgage journey. Follow these steps to set up your scenarios and understand your results.

Step 1: Regional Settings
Before entering any numbers, tell the tool where you are located.

• Country / Currency: Select your region (e.g., England/NI, Scotland, Wales, USA, or EU). This automatically updates the currency symbols and the tax rules for property purchases.

• First-Time Buyer: If you are buying your first home in England, NI, or Scotland, tick this box. The tool will automatically apply the correct tax reliefs to your "Future Move" estimates.

Step 2: Current Loan Details
This is the core information about your current mortgage.

• Mortgage Amount: Enter your total outstanding balance.

• Monthly Payment: Enter what you actually pay each month.

• Interest Rates: Enter your current rate and the date it ends.

• Follow-on Rate: Crucial! Enter the rate you will pay once your current fixed deal expires.

• Pro Tip: Hover over the "?" icons next to any field for a simple explanation of what to enter.

Step 3: Explore Optional Scenarios
You can toggle these sections on or off depending on your goals:

• Overpayment Scenarios: Enter one or two higher monthly payment amounts. When you run the report, the tool will show you exactly how much Time and Interest you save compared to your standard payment.

• Future Move & Additional Borrowing: Plan for your next home. Enter the date you want to move and the value of the new house. Use the "Calculate" icon next to the Second Mortgage field to automatically figure out how much extra you need to borrow to bridge the gap between your old home and your new one.

• Interest Rate Stress Test: This shows what your payments would look like if interest rates rise by 1%, 2%, or 3% by the time you need to remortgage. It’s a great "safety check" for your future budget.

• Payment Variations: * Lump Sum: Model a one-off payment (like a bonus or inheritance).

  • Payment Holiday: See the impact of taking a break from payments.

  • Annual Increase: Simulate increasing your payment by a small percentage (like 2%) every year as your salary grows.

• Financial Health & Affordability: Enter your income and other bills to see your Debt-to-Income (DTI) ratio and how much disposable cash you'll have left after the mortgage is paid.

Step 4: Run the Report
Once your data is in, click the emerald green "Run Report" button at the bottom. The page will scroll down to show your analysis.

Step 5: Understanding Your Results

• Summary Cards: These show your final Payoff Date. If you entered overpayments, look for the green text showing your Time Saved and Interest Saved.

• Remaining Balance Chart: A visual look at how your debt decreases over the years.

• Detailed Table: A month-by-month breakdown.

  • LTV (Loan to Value): This is vital. Most lenders offer better rates when this drops below 60%.

  • Dividing Lines: We’ve added lines between scenarios so you can easily compare "Plan A" vs "Plan B" side-by-side.

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Step 6: Saving & Printing

• Save Session: Click this to remember all your inputs on your current computer/browser. You won't have to type them all in again next time!

• Load Session: Click this to bring back your previously saved data.

• Print Summary: Use this button to get a clean, professional print-out of your report to take to a financial advisor or keep for your records.