Outstanding Balance
£173,019.09
as of 2026-03-28
Projected Payoff (Base)
Dec 2040
5 yrs 6 mo earlier vs contractual
Total Overpaid To Date
£9,350
£14,917 interest saved · 22 months off term
Equity
£226,981
56.7% of property value
This Month's Payment Breakdown
Interest
£654.59
Capital
£432.02
Overpayment
£250.00
Total Monthly Out
£1,336.61
Property Equity
£226,981
Your Equity
£173,019
Mortgage Remaining
£110,000
Gain vs Purchase
Property Value
£400,000
Payoff Scenarios
| Scenario | Projected Payoff | vs Contractual | Total Interest | Notes |
|---|---|---|---|---|
| Contractual (no overpay) | Jul 2048 | — | £91,111 | No overpayments, base rate after fix |
| Base — 4.5% after fix ✓ | Dec 2040 | 5 yrs 6 mo earlier | £64,410 | £250/mo overpay, remortgage at similar rate |
| Worst Case — 6.0% after fix | Jan 2043 | — | £97,452 | Rates spike to 6.0% from Jul 2027 |
Balance Over Time (Base Scenario)
Next 24 Months — Payment Split
Overpay vs Invest — What does £250/month really do?
Assumes 8% annual investment return. Interest saved = guaranteed; investment return = assumed.
5 YEARS
Interest saved
£1,803
Investment profitWIN
£3,492
Total deployed: £15,000 | Invest pot: £18,492
10 YEARS
Interest saved
£7,880
Investment profitWIN
£16,041
Total deployed: £30,000 | Invest pot: £46,041
20 YEARS
Interest saved
£27,208
Investment profitWIN
£88,237
Total deployed: £60,000 | Invest pot: £148,237