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Repayment Mortgage vs Investment Based Mortgage Calculator

This calculator estimates the total cost of buying a house comparing the repayment mortgage with the investment (i.e. ISA) based one.

Experiment with different inflation and investment growth assumptions. This will highlight that the choice of mortgage is very much dependent on your view of the future.

A balanced view for the traditional 20-25 year mortgage might be to go for the investment route, but with the monthly investment being made in the expectation of low investment returns. That way any extra performance feeds into a useful surplus.

For shorter terms (under 10 years), investment volatility swings the view towards the certainty of the repayment route.

Intermediate terms are very much dependent upon one's personal position and attitude towards risk and reward.

Your property may be repossessed if you do not keep up repayments on your mortgage.

Enter in years.
Enter 7% as 7.

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Pavis Financial Management Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register No: 153871 http://www.fca.org.uk/register.

Pavis Financial Management Limited Registered Address: 4 St. Pauls Square, Liverpool, L3 9SJ. Registered in England & Wales, No. 02625986.

Neither Pavis Financial Management Limited nor its representatives can be held responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.

The Financial Conduct Authority does not regulate National Savings or some forms of mortgage, tax planning, taxation and trust advice, offshore investments or school fees planning.

The value of investments and income from them can fluctuate, and investors might not get back the full amount invested. Past performance is not a guide to future performance. Equity based investments do not afford the same capital security that is afforded with a deposit account.

Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR www.financial-ombudsman.org.uk

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