Mortgage Reality Check

Compare two mortgage scenarios side by side, now with colour-coded input blocks because confusion was already doing enough.

Mortgage details

Current mortgage balance Scenario A name Scenario B name

Regular repayment Repayment frequency Interest rate (% p.a.) Offset balance One-off payment One-off timing (years from now)

Regular repayment Repayment frequency Interest rate (% p.a.) Offset balance One-off payment One-off timing (years from now)

Extra planning tool

Desired balance by target date Years until target date What-if interest rate (% p.a.)

Metric	Scenario A	Scenario B	Difference

Scenario A

Scenario B

BLUE SCENARIO

Time left to pay off

Total interest

Interest-charged loan after offset

First repayment: interest

First repayment: principal

Repayment needed if rate changes

Repayment for target balance

Balance at target date

Offset interest benefit

Year	Opening	Principal	Interest	Closing

ORANGE SCENARIO