Mortgage refinance break-even: is switching worth it?
Work out your mortgage refinance break-even point: switching costs vs interest saved, why the simple formula misleads, and a worked example to copy.
Mortgages & financing9 min read
Mortgages & financing
Mortgages and property financing made clear: how amortization works, interest-only vs repayment loans and loan-to-value ratios, with worked examples.
How mortgage amortization works, with worked examples
Learn how mortgage amortization works: the annuity formula, why early payments are mostly interest, and how term, rate and overpayments change the cost.
Mortgages & financing8 min read
Interest only vs repayment mortgage: which fits you?
Interest only vs repayment mortgage compared with worked numbers: monthly cost, total interest, end-of-term debt, risks and when each one makes sense.
Mortgages & financing7 min read
Loan to value ratio explained: formula and examples
Loan to value ratio explained: how to calculate LTV, why lenders care, how it changes over time and how to lower it before you buy or refinance a property.
Mortgages & financing7 min read