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Repayment vs Investment Based Mortgage Calculator

This calculator allows you to see the differences between taking out a traditional repayment mortgage and an Investment based mortgage, assuming different interest rates and different investment return rates. See Guidance.

Fill in the figures below and click on Calculate.
Mortgage Amount (£s)	Mortgage Term (years)	Interest Rate (%)	Expected Investment Growth (%)

Repayment Mortgage
Monthly Repayment	Total Amount Repaid

Repayments
Monthly Investment	Monthly Interest Payment	Monthly Total	Total Cost Over Term

Alternative Growth Rates
The table below shows the which option (repayment or investment) is best for a range of different growth assumptions. A POSITIVE figure in Route Comparison indicates that the INVESTMENT route is better value for money. A NEGATIVE one means that the REPAYMENT route has the edge.
Growth (Compared to Assumption)	Future Fund Value	Route Comparison
6% P.A. Less
4% P.A. Less
2% P.A. Less
Assumption Correct
2% P.A. More
4% P.A. More
6% P.A. More

Your home may be repossessed if you do not keep up repayments on your mortgage.
Big Mortgages is a trading style of Credencis Limited, who is an Appointed Representative of Mint Financial Services Limited. Mint Financial Services Limited are authorised and regulated by the Financial Services Authority.

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