Mortgage Overview

BL · Property Finance Intelligence

Live Data
Current Position
Outstanding Balance
Projected Payoff
Equity
Total Overpaid
Interest Remaining
Monthly Total
payment + overpayment
Rate Information
Current Fixed Rate
fixed until
Monthly Overpayment
above contractual payment
Base Assumption After Fix
expected remortgage rate
Worst Case After Fix
stress test scenario
This Month's Payment
Interest · Capital · Overpayment
Property Equity
Ownership vs Mortgage Remaining
Payoff Scenarios
Projected Payoff by Scenario
Contractual end · Base assumption · Worst case
Balance Over Time
Annual balance — base scenario with overpayments
Next 24 Months
Payment split — Interest · Capital · Overpayment
Overpay vs Invest
What does your £/month overpayment really do?
Interest saved (guaranteed) vs Investment profit (assumed % annual return)
PROPERTY MANAGEMENT · BL SUITE
MORTGAGE ///
Overview
Payment
Scenarios
Overpay vs Invest
OUTSTANDING BALANCE
£173,019
as of 2026-03-28  ·  4.54% fixed until Jul 2027
Projected Payoff
Dec 2040
5yr 6mo early vs contractual
Equity
£226,981
56.7% of property
Total Overpaid
£9,350
£14,917 interest saved
Interest Remaining
£64,410
£26,701 saved vs no OP
Balance Over Time
This Month
Monthly Payment Split
Interest
£655
Capital
£432
Overpayment
£250
Total Monthly Out £1,337
Next 24 Months
Property Equity
Ownership Split
56.7%
Your Equity
£226,981
Mortgage Remaining
£173,019
Gain vs Purchase
£110,000
Payoff Scenarios
Contractual (no overpayments)
Payoff Date
Jul 2048
Total Interest
£91,111
Base — 4.5% after fix ✓
Payoff Date
Dec 2040
Time Saved
5yr 6mo early
Total Interest
£64,410
Worst Case — 6.0% after fix
Payoff Date
Jan 2043
Total Interest
£97,452
Overpay vs Invest
£250/month · 8% assumed return · guaranteed vs projected
5 YEARS
Interest saved
£1,803
Invest profit WIN
£3,492
Deployed: £15,000 · Pot: £18,492
10 YEARS
Interest saved
£7,880
Invest profit WIN
£16,041
Deployed: £30,000 · Pot: £46,041
20 YEARS
Interest saved
£27,208
Invest profit WIN
£88,237
Deployed: £60,000 · Pot: £148,237