The questions it will actually answer.
Every one of these runs against your own numbers rather than a national average. You set the assumption; the arithmetic is ours.
What happens to my mortgage
The most expensive uncertainty most households carry, and the one almost no calculator models properly.
My fixed rate ends. What will I pay?
The rate you think you’ll move to.
The new monthly payment, the balance at that date, and the difference in pounds per month and per year.
What if rates are higher than I expect?
A range instead of a single rate.
The same answer across the range, so you can see how much of the outcome is your guess.
Should I overpay, or put the money elsewhere?
The amount, and the return you’d expect elsewhere.
Both paths over the same period, with interest saved on one side and growth on the other. No verdict.
What has this mortgage actually cost me so far?
Nothing — it’s already in your numbers.
Interest paid to date against capital repaid, and how that split changes from here.
What if something goes wrong
Not a stress test in the regulatory sense. A plain question about how much room you have.
A property sits empty for six months.
Which property, and how long.
Months of cover you’d have before the shortfall reaches your savings, and what the gap is each month.
My income stops.
How long, and what you’d cut.
The same, across everything you own at once rather than property by property.
Two things go wrong together.
Any pair — a void and a rate rise, a repair and a rent drop.
The combined effect, which is usually worse than the two added up, and worth seeing once.
What I could do next
Decisions with more than one moving part, held in the right order.
If I sold one, which one?
Nothing — it runs on every property you hold.
Each property’s contribution: proceeds after the mortgage, income lost, effect on the total. Side by side, unranked.
What if I did three things in sequence?
The order, and roughly when.
The path from here to there, with the position after each step rather than only at the end.
Can I stop working five years earlier?
Your target income and the date.
Whether the position supports it, and the size of the gap if it doesn’t. Your home shown separately, because you can’t spend it without moving.
Questions we won’t answer
Each of these is a question about what you should do. That’s advice, and it belongs with someone qualified who knows your whole situation.
“Which mortgage should I take?”
We won’t list products or rank lenders. No lender pays us, and we’re not becoming a comparison site by accident.
“Is this a good investment?”
Good depends on your tax position, your other assets and what you want your life to look like. We know none of those well enough.
“What should I do about the gap?”
We’ll show you it’s £340 a month and how it moves. The remedy is a conversation, not an output.