Mortgage calulator
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ABCDEFGHIJKLMNOPQRSTU
1
Inputssource3.5 inc multiple3.5 inc7 times inc multiple7*inc
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median wage26000checkinterest ratetotal times net annual pay piad% of month met salary to mtg
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tax allowance10000http://www.hmrc.gov.uk/rates/it.htm1414828
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HRT threshold31866as above2416832
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35181036
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BR tax32.00%includes NI at 12%, note NI starts earlier so this is worse45201040
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HR tax42.00%include 2% NI56221244
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66241248
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BR tax512077271454
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88291658
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net2088015000098321664
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109341868
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avg interest rates10percent5.3751110372074
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Loan term (years)25years301210402080
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1363.051311432286
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Single person1412462492
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Income multiple3.51513482696
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16145128102
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house price73080
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10% deposit7308
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amount to finance65772
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min monthly597.67
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proportion of net income34percent
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total paid187382.1
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interest121610.1interest
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ie65percent in all
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9times net
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7times gross
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Dual incomes2.5
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house price104400
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10% deposit10440
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amount to finance93960
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min monthly853.82
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% of net double inc25percent
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% of net single inc49percent
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charty
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singledual
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principalinterestcapitalpaymentsprincipalinterestpayments
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Year 065,77207,17293,960010,246interestcapital
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Year 165,1776,5775957,17293,1109,39610,246Year 16,577595
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Year 264,5236,5186547,17292,1759,31110,246Year 26,518654
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Year 363,8036,4527207,17291,1479,21810,246Year 36,452720
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Year 463,0116,3807927,17290,0169,11510,246Year 46,380792
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Year 562,1406,3018717,17288,7729,00210,246Year 56,301871
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Year 661,1826,2149587,17287,4038,87710,246Year 66,214958
53
Year 760,1296,1181,0547,17285,8978,74010,246Year 76,1181,054
54
Year 858,9706,0131,1597,17284,2418,59010,246Year 86,0131,159
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Year 957,6945,8971,2757,17282,4208,42410,246Year 95,8971,275
56
Year 1056,2925,7691,4037,17280,4168,24210,246Year 105,7691,403
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Year 1154,7495,6291,5437,17278,2118,04210,246Year 115,6291,543
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Year 1253,0525,4751,6977,17275,7877,82110,246Year 125,4751,697
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Year 1351,1855,3051,8677,17273,1207,57910,246Year 135,3051,867
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Year 1449,1315,1182,0547,17270,1867,31210,246Year 145,1182,054
61
Year 1546,8734,9132,2597,17266,9587,01910,246Year 154,9132,259
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Year 1644,3884,6872,4857,17263,4086,69610,246Year 164,6872,485
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Year 1741,6544,4392,7337,17259,5036,34110,246Year 174,4392,733
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Year 1838,6484,1653,0077,17255,2085,95010,246Year 184,1653,007
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Year 1935,3413,8653,3077,17250,4835,52110,246Year 193,8653,307
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Year 2031,7033,5343,6387,17245,2855,04810,246Year 203,5343,638
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Year 2127,7013,1704,0027,17239,5684,52910,246Year 213,1704,002
68
Year 2223,2992,7704,4027,17233,2793,95710,246Year 222,7704,402
69
Year 2318,4572,3304,8427,17226,3613,32810,246Year 232,3304,842
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Year 2413,1301,8465,3267,17218,7512,63610,246Year 241,8465,326
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Year 257,2711,3135,8597,17210,3811,87510,246Year 251,3135,859
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Year 268267276,4457,1721,1731,03810,246Year 267276,445
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Year 270838267,172011710,246Year 2783826
74
Year 280000000Year 2800
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Year 290000000Year 2900
76
Year 300000000Year 3000
77
Year 310000000Year 3100
78
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10 percent
2 percent