advanced overpayment mortgage calculator?

crex

Is there a mortgage calculator anywhere that can account for interest rate changing after an initial period? All the ones I can find online only allow you to enter one interest rate for the term, which will give a misleading figure for eg. how much interest you will save by overpayment. Even using the APR doesn't really help, as that assumes reverting to the lender's SVR when the initial period ends, which I wouldn't be doing. TIA

getmore4less

Try this one.

https://forums.moneysavingexpert.com/discussion/1157173/my-excel-mortgage-spreadsheet/p1


Once beyond the current rate it is guess work but can be useful.