Inputs
Offset mortgage (how we model it)
We reduce the balance used for interest: effective principal = max(0, remaining − offset). Payment amount stays the same for a standard repayment mortgage (offset changes the interest/principal split). Show details ↓
Shared ownership
If enabled, mortgage is calculated on the owned share; rent is added for the unowned share.
Tip: for shareable scenarios, this page can encode inputs into the URL (no cookies). That’s optional and visible in your address bar.
Results
Mortgage payment (per frequency)
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Interest this period (after offset)
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Estimated payoff time (offset)
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Shared ownership rent (monthly)
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Total outpay (mortgage + rent)
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Disclaimer (2026): Estimates only; not financial guidance.