Continue your plan
Useful next calculations
Rates & sources
A prompt-based, local-only review with no assumed balances, rates, product claims or financial health score. It is designed to route a user to their own records and relevant planning tools.
Source: MoneyHelper — Budget planner — check the linked guidance and any live quote before acting.
When to use this calculator
- Before comparing lenders, brokers, or repayment options.
- When you want to test how a different deposit, rate, or term changes affordability.
- When you need a quick estimate before using a formal quote or agreement in principle.
- When you are stress-testing your budget against a potential rate rise to see the impact on monthly payments.
- When you want to understand the full cost of borrowing — not just the monthly figure — before you commit.
A realistic UK planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
Budget reviewed
Not yet
Accessible cash reviewed
Not yet
One next action chosen
Not yet
After entering these figures, focus on core prompts reviewed first and then rerun the tool with a more cautious assumption to understand the realistic range of outcomes rather than relying on a single estimate.
How to read your results
Core Prompts Reviewed
Use this metric to compare scenarios side by side and understand how changes in the key inputs drive the final outcome. If the figure surprises you, isolate one variable at a time and rerun the calculation to identify which assumption is responsible.
Method & assumptionsAuthoritative sources
This local-only check-in uses prompts rather than a financial health score. It brings current bills, accessible cash, high-cost debt, pension and protection information, documents and upcoming income or housing changes into one short review.
Each tick means only that the prompt has been reviewed. It is not an assessment that a position is safe or suitable, and the tool does not request balances, account identifiers or passwords.
Use the linked calculators to model a particular cash-flow decision. For debt, tax, investment, protection or legal questions that are urgent or complex, use an appropriate qualified professional or free independent service.
Common mistakes
- !Mixing up loan amount and property value, which can distort affordability and LTV.
- !Using a headline rate but forgetting fees, insurance, taxes, or repayment type.
- !Testing only one term length instead of comparing the payment and total cost together.
- !Forgetting that a repayment mortgage and an interest-only mortgage produce very different monthly figures and total costs.
- !Not accounting for the impact of a rate revert after an introductory fixed period ends, which can sharply increase payments.
What to do next
- Run a second scenario with a higher rate or shorter term so you can see the downside clearly.
- Compare the result with an affordability or overpayment calculator before applying.
- Use the related guides below to understand trade-offs before you request live quotes.
- Note down the monthly payment and total interest for your two or three strongest scenarios so you have a clear comparison ready when you speak to a broker.
- Check whether making a modest overpayment each month would reduce total interest significantly — run the overpayment calculator next to find out.
Frequently asked
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