Self help tools

Here are some useful, easy to use tools that can help you manage your mortgage(s) more effectively.

Budget planner

Balancing your rental income with your various property expenses can be easier said than done. But it's essential so you know where you stand each month.

This landlords budget planner will help give you an idea of the maximum interest rate your property or portfolio could sustain based on your current rent and costs. This 'stress test' requires you to identify the income and outgoings associated with your investment property and will help you identify when any changes in the interest rate may cause you issues in the future.

The calculations are based on an 'interest only' mortgage. If you have a Repayment mortgage you will need to factor in the additional capital that you have committed to paying off your mortgage each month.

Rate rise planning

If you would like to see how future interest rate rises could affect your monthly mortgage payments, just use our rate rise calculator. Simply enter a few basic details about your mortgage and we will show you what your payments could be, should rates rise in the future.

If you are concerned that you may struggle to meet your monthly payments in the future, then please contact us as soon as possible to see how we can help you