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What I paid for my house:£ 200,000.00Each year you pay off the interest first, then the remainder of your payments go towards clearing your principal (the actual loan!)How much can I overpay each month?£ 100.00
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The deposit I had£ 20,000.00
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The amount I borrowed£ 180,000.00
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For this many years25
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At this rate5%
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My monthly payments are£ 1,013.61
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My interest is chargedAnnually
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YearAmount owed at beginning of yearInterest accrued per yearYearly paymentsInterest paid off monthlyPrincipal paid off monthlyAmount at end of yearYearAmount owed at beginning of yearInterest accrued per yearYearly paymentsInterest paid off monthlyPrincipal paid off monthlyExtra monthly overpaymentYearly overpaymentAmount at end of year
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1£ 180,000.00£ 9,000.00£ 12,163.28£ 750.00£ 263.61£ 176,228.561£ 180,000.00£ 9,000.00£ 12,163.28£ 750.00£ 263.61£ 100.00£ 1,200.00£ 174,968.56
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2£ 176,228.56£ 8,811.43£ 12,163.28£ 734.29£ 279.32£ 172,268.542£ 174,968.56£ 8,748.43£ 12,163.28£ 729.04£ 284.57£ 100.00£ 1,200.00£ 169,685.54
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3£ 172,268.54£ 8,613.43£ 12,163.28£ 717.79£ 295.82£ 168,110.533£ 169,685.54£ 8,484.28£ 12,163.28£ 707.02£ 306.58£ 100.00£ 1,200.00£ 164,138.38
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4£ 168,110.53£ 8,405.53£ 12,163.28£ 700.46£ 313.15£ 163,744.614£ 164,138.38£ 8,206.92£ 12,163.28£ 683.91£ 329.70£ 100.00£ 1,200.00£ 158,313.85
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5£ 163,744.61£ 8,187.23£ 12,163.28£ 682.27£ 331.34£ 159,160.405£ 158,313.85£ 7,915.69£ 12,163.28£ 659.64£ 353.97£ 100.00£ 1,200.00£ 152,198.10
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6£ 159,160.40£ 7,958.02£ 12,163.28£ 663.17£ 350.44£ 154,346.986£ 152,198.10£ 7,609.91£ 12,163.28£ 634.16£ 379.45£ 100.00£ 1,200.00£ 145,776.57
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7£ 154,346.98£ 7,717.35£ 12,163.28£ 643.11£ 370.49£ 149,292.887£ 145,776.57£ 7,288.83£ 12,163.28£ 607.40£ 406.20£ 100.00£ 1,200.00£ 139,033.95
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8£ 149,292.88£ 7,464.64£ 12,163.28£ 622.05£ 391.55£ 143,986.098£ 139,033.95£ 6,951.70£ 12,163.28£ 579.31£ 434.30£ 100.00£ 1,200.00£ 131,954.21
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9£ 143,986.09£ 7,199.30£ 12,163.28£ 599.94£ 413.66£ 138,413.959£ 131,954.21£ 6,597.71£ 12,163.28£ 549.81£ 463.80£ 100.00£ 1,200.00£ 124,520.48
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10£ 138,413.95£ 6,920.70£ 12,163.28£ 576.72£ 436.88£ 132,563.2010£ 124,520.48£ 6,226.02£ 12,163.28£ 518.84£ 494.77£ 100.00£ 1,200.00£ 116,715.06
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11£ 132,563.20£ 6,628.16£ 12,163.28£ 552.35£ 461.26£ 126,419.9211£ 116,715.06£ 5,835.75£ 12,163.28£ 486.31£ 527.29£ 100.00£ 1,200.00£ 108,519.37
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12£ 126,419.92£ 6,321.00£ 12,163.28£ 526.75£ 486.86£ 119,969.4712£ 108,519.37£ 5,425.97£ 12,163.28£ 452.16£ 561.44£ 100.00£ 1,200.00£ 99,913.89
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13£ 119,969.47£ 5,998.47£ 12,163.28£ 499.87£ 513.73£ 113,196.5113£ 99,913.89£ 4,995.69£ 12,163.28£ 416.31£ 597.30£ 100.00£ 1,200.00£ 90,878.15
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14£ 113,196.51£ 5,659.83£ 12,163.28£ 471.65£ 541.95£ 106,084.8914£ 90,878.15£ 4,543.91£ 12,163.28£ 378.66£ 634.95£ 100.00£ 1,200.00£ 81,390.61
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15£ 106,084.89£ 5,304.24£ 12,163.28£ 442.02£ 571.59£ 98,617.6915£ 81,390.61£ 4,069.53£ 12,163.28£ 339.13£ 674.48£ 100.00£ 1,200.00£ 71,428.70
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16£ 98,617.69£ 4,930.88£ 12,163.28£ 410.91£ 602.70£ 90,777.1316£ 71,428.70£ 3,571.44£ 12,163.28£ 297.62£ 715.99£ 100.00£ 1,200.00£ 60,968.69
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17£ 90,777.13£ 4,538.86£ 12,163.28£ 378.24£ 635.37£ 82,544.5517£ 60,968.69£ 3,048.43£ 12,163.28£ 254.04£ 759.57£ 100.00£ 1,200.00£ 49,985.68
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18£ 82,544.55£ 4,127.23£ 12,163.28£ 343.94£ 669.67£ 73,900.3318£ 49,985.68£ 2,499.28£ 12,163.28£ 208.27£ 805.33£ 100.00£ 1,200.00£ 38,453.53
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19£ 73,900.33£ 3,695.02£ 12,163.28£ 307.92£ 705.69£ 64,823.9119£ 38,453.53£ 1,922.68£ 12,163.28£ 160.22£ 853.38£ 100.00£ 1,200.00£ 26,344.76
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20£ 64,823.91£ 3,241.20£ 12,163.28£ 270.10£ 743.51£ 55,293.6620£ 26,344.76£ 1,317.24£ 12,163.28£ 109.77£ 903.84£ 100.00£ 1,200.00£ 13,630.56
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21£ 55,293.66£ 2,764.68£ 12,163.28£ 230.39£ 783.22£ 45,286.9021£ 13,630.56£ 681.53£ 12,163.28£ 56.79£ 956.81£ 100.00£ 1,200.00£ 280.64
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22£ 45,286.90£ 2,264.34£ 12,163.28£ 188.70£ 824.91£ 34,779.8022£ 280.64£ 14.03£ 12,163.28£ 1.17£ 1,012.44£ 100.00£ 1,200.00-£ 13,736.77
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23£ 34,779.80£ 1,738.99£ 12,163.28£ 144.92£ 868.69£ 23,747.3523-£ 13,736.77-£ 686.84£ 12,163.28-£ 57.24£ 1,070.84£ 100.00£ 1,200.00-£ 28,455.05
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24£ 23,747.35£ 1,187.37£ 12,163.28£ 98.95£ 914.66£ 12,163.2724-£ 28,455.05-£ 1,422.75£ 12,163.28-£ 118.56£ 1,132.17£ 100.00£ 1,200.00-£ 43,909.24
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25£ 12,163.27£ 608.16£ 12,163.28£ 50.68£ 962.93£ 0.0025-£ 43,909.24-£ 2,195.46£ 12,163.28-£ 182.96£ 1,196.56£ 100.00£ 1,200.00-£ 60,136.15
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£ 139,286.06£ 114,954.96
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Please note: this is a slightly simplified version as I have calculated the yearly interest based on the beginning of the year, rather than an average of the year after payments...
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Ask your mortgage provider for a detailed breakdown of your monthly payments towards interest and principal.
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