Beginner
First-Time Buyer Mortgages: A Complete UK Guide
Everything first-time buyers need to know about UK mortgages, from deposits and schemes to affordability checks and LTV bands.
6 min readBanks give you statements. We give you clarity. Watch how an extra £200 per month transforms a 25-year mortgage into 17 years — and saves you nearly £50,000 in interest.
Total interest saved
£47,832
Everything you need to understand, optimise, and track your UK mortgage
See how extra payments reduce your term and total interest. The most detailed visualisation available.
Calculate stamp duty for your next purchase, including first-time buyer relief.
Full month-by-month breakdown of every payment, showing exactly how your balance decreases.
Planning a bonus payment? See the exact impact of a one-off overpayment on your mortgage.
Should you overpay or invest? Compare the opportunity cost with current ISA rates.
Set a target date and find out how much extra you need to pay each month to hit it.
Not another generic calculator. MortgageViz understands UK mortgages, terminology, and your goals.
Every data point becomes a graph. See your mortgage progress, not just numbers.
Check your progress after making a payment. Designed for your phone first.
Your financial data stays on your device. We don't sell data. Ever.
No page reloads. Results update as you type with smooth animations.
Proper terminology, UK tax rules, lender limits, and realistic rate assumptions.
Log payments and watch your progress. Celebrate milestones along the way.
Clear, practical advice for UK homeowners. No jargon, no fluff.
Everything first-time buyers need to know about UK mortgages, from deposits and schemes to affordability checks and LTV bands.
6 min readCompare the returns from overpaying your mortgage versus investing in an ISA. Learn which option makes more sense for your financial situation.
4 min readLearn when remortgaging makes sense, how the process works, and strategies to get the best deal when switching your mortgage.
6 min readJoin thousands of UK homeowners taking control of their mortgage
"Finally, a calculator that actually shows me what's happening. I've been overpaying £150/month for 2 years and now I can see exactly how much time I've knocked off."
"The side-by-side comparison convinced my partner we should prioritise overpayments over a new car. Seeing £43k in potential savings made the decision easy."
"I used to just guess if overpaying was worth it. Now I check this every month after payday. It's oddly satisfying watching the projected end date move closer."
"As a first-time buyer, the stamp duty calculator saved me from a nasty surprise. Clean interface, no ads, just the numbers I needed."
"My mortgage advisor couldn't explain things as clearly as these charts do. Shared the comparison with my wife and we're now overpaying £300/month."
"Bookmarked and use it monthly. Love that my data stays private and I don't need to create yet another account. Simple, fast, brilliant."
No sign-up needed. Enter your details and see exactly how overpayments could transform your mortgage.
Free forever. Premium features for £29.99 one-time.