About MortgageViz

A personal project born from a very real frustration.

The Story

When I took out my first mortgage, the reality of a 25-year commitment hit me hard. Twenty-five years. That's a quarter of a century. It felt daunting, almost overwhelming.

But then I discovered something that gave me hope: overpayments. Every extra pound I put towards my mortgage principal wasn't just reducing my debt — it was chipping away at those years. The problem was, I couldn't easily see the impact. How much time was I actually saving? How much interest would I avoid paying?

I wanted to visualise my progress. To see that mountain of debt shrinking. To watch the years fall off my term. I couldn't find a tool that did this well, especially one designed for UK mortgages with their quirks — variable rates, product switches, tracker deals.

So I built one.

The Mission

MortgageViz exists to help UK homeowners take control of their mortgage journey. Whether you're exploring how overpayments could shorten your term, comparing fixed vs variable rates, or simply wanting to understand where your money goes each month, we make the invisible visible.

The goal is simple: turn abstract numbers into clear, motivating visualisations that help you make better decisions and stay on track towards mortgage freedom.

What Makes It Different

  • Visual-First Approach

    Numbers in a table are hard to grasp. Interactive charts and visualisations make complex mortgage scenarios immediately understandable.

  • Privacy-Focused

    Your financial data stays in your browser. We don't track you, we don't sell your data, and our calculators work entirely client-side.

  • Built for the UK

    UK mortgages work differently. Variable rates, product transfers, early repayment charges — we account for the specifics that matter to UK homeowners.

MortgageViz is a personal project, built and maintained in my spare time. If you find it useful, I'd love to hear from you. And if you have ideas for how it could be better, even better.