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🚨 To use this spreadsheet, click "File" ➡️ "Make a copy"Key
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📊 Mortgage ComparisonManually enter your inputs
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Calculated automatically
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For limited companies (SPVs) only. Example figures for illustration, not live rates, an offer or advice. James Property Mortgages is an introducer and is not authorised by the FCA. We are paid by the broker we introduce you to. Please read the Important Information tab before you apply.
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Arrangement Fee - Paid Upfront
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LENDER 1LENDER 2LENDER 3LENDER 4
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Property Value£325,000Property Value£325,000Property Value£325,000Property Value£325,000
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Loan Amount (75%)£243,750Loan Amount (75%)£243,750Loan Amount (75%)£243,750Loan Amount (75%)£243,750
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Interest Rate (%)6.54%Interest Rate (%)6.09%Interest Rate (%)6.99%Interest Rate (%)6.59%
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Arrangement Fee£16,125Arrangement Fee£12,187.00Arrangement Fee£4,875.00Arrangement Fee£12,187.00
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Fixed Term (Years)2Fixed Term (Years)2Fixed Term (Years)5Fixed Term (Years)5
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Arrangement Fee Annualised£8,062.50Arrangement Fee Annualised£6,093.50Arrangement Fee Annualised£975.00Arrangement Fee Annualised£2,437.40
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Annual Interest£15,941.25Annual Interest£14,844.38Annual Interest£17,038.13Annual Interest£16,063.13
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Monthly Payment (Interest Only)£1,328.44Monthly Payment (Interest Only)£1,237.03Monthly Payment (Interest Only)£1,419.84Monthly Payment (Interest Only)£1,338.59
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Total Annual Cost£24,003.75Total Annual Cost£20,937.88Total Annual Cost£18,013.13Total Annual Cost£18,500.53
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Effective Rate9.85%Effective Rate8.59%Effective Rate7.39%Effective Rate7.59%
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Repayment at End£243,750Repayment at End£243,750Repayment at End£243,750Repayment at End£243,750
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Total Cost of Loan£291,758Total Cost of Loan£285,626Total Cost of Loan£333,816Total Cost of Loan£336,253
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Arrangement Fee - Added To The Loan
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LENDER 1LENDER 2LENDER 3LENDER 4
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Property Value£325,000Property Value£325,000Property Value£325,000Property Value£325,000
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Loan Amount (75%)£243,750Loan Amount (75%)£243,750Loan Amount (75%)£243,750Loan Amount (75%)£243,750
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Interest Rate (%)6.54%Interest Rate (%)6.09%Interest Rate (%)6.99%Interest Rate (%)6.59%
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Arrangement Fee£16,125.00Arrangement Fee£12,187.00Arrangement Fee£4,875.00Arrangement Fee£12,187.00
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Fixed Term (Years)2Fixed Term (Years)2Fixed Term (Years)5Fixed Term (Years)5
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Loan + Arrangement Fee£259,875.00Loan + Arrangement Fee£255,937.00Loan + Arrangement Fee£248,625.00Loan + Arrangement Fee£255,937.00
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Annual Interest£16,995.83Annual Interest£15,586.56Annual Interest£17,378.89Annual Interest£16,866.25
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Monthly Payment (Interest Only)£1,416.32Monthly Payment (Interest Only)£1,298.88Monthly Payment (Interest Only)£1,448.24Monthly Payment (Interest Only)£1,405.52
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Total Annual Cost£25,058.33Total Annual Cost£21,680.06Total Annual Cost£18,353.89Total Annual Cost£19,303.65
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Effective Rate10.28%Effective Rate8.89%Effective Rate7.53%Effective Rate7.92%
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Repayment at End£259,875.00Repayment at End£255,937.00Repayment at End£248,625.00Repayment at End£255,937.00
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Total Cost of Loan£293,867Total Cost of Loan£287,110Total Cost of Loan£335,519Total Cost of Loan£340,268
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Assumptions
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1️⃣ Interest is charged monthly but shown as annual totals for simplicity.
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2️⃣ Fixed term only: results apply only during the fixed period (e.g. 2 or 5 years). After that the lender's reversion rate applies unless you refinance or switch.
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3️⃣ Interest-only product: no capital is repaid during the fixed term.
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4️⃣ No account is taken of overpayments, arrears, or changes in rates after the fixed term ends.
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5️⃣ Early repayment charges (ERCs) are not included. Always check them if you plan to refinance early.
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6️⃣ Other costs are not included: broker, valuation, legal and other lender fees will increase the total cost.
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7️⃣ Arrangement fee treatment:
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• Fee paid upfront: spread evenly over the fixed term so 2-year and 5-year products can be compared fairly.
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• Fee added to the loan: you also pay interest on the fee, so over the same fixed term it always costs more than paying it upfront.
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8️⃣ Effective Rate vs APRC:
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• Our effective rate is a simplified figure showing the cost of interest and the arrangement fee over the fixed term only.
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• Effective Rate = (annual interest + arrangement fee spread over the fixed term) ÷ loan amount.
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• APRC (Annual Percentage Rate of Charge) is the lender's official figure. It includes all compulsory fees and assumes you keep the mortgage for its full term.
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👉 The effective rate is not an APRC and does not replace it. Always check the APRC and the lender's illustration before you commit.
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⚠️ Important Information
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Finance introduced through this calculator is only available to bodies corporate (limited companies and SPVs). It is not available to individuals.
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James Property Mortgages Ltd is a mortgage introducer. We are not authorised or regulated by the Financial Conduct Authority and we do not give mortgage advice.
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We introduce you to an FCA-authorised broker, who gives advice and deals with the lender. When your mortgage completes, the broker pays us a percentage of the lender's procuration fee, agreed case by case.
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This calculator is for illustration only. It is not an offer, a recommendation, or a check of eligibility or affordability.
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Your property may be repossessed if you do not keep up repayments on your mortgage.
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Full details, including how we are paid, are on the Important Information tab.
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