About AI Mortgage Forecast
Built by engineers and data modelers. Not a broker. Not a lender. Not financial advice.
Our Mission
Our objective is to demystify mortgage mathematics. We believe that homeowners and prospective buyers should have open access to the exact compound interest formulas and amortisation schedules used by commercial banks, without a sales relationship or a lead-generation form standing in the way. Every number our simulator produces is generated transparently from a documented formula, not from a black-box "affordability estimate" tied to a partner lender.
We built AI Mortgage Forecast because the mortgage decisions with the largest lifetime financial impact — how much to overpay, when to remortgage, what deposit tier to target — are often made with the least amount of accessible, judgement-free information. Our goal is to close that gap with tools and explainers that show the underlying mechanics, not just an output number.
Editorial & Engineering Standards
This platform is built and maintained by software engineers and data modelers, not sales brokers. We do not intermediate loans, we do not receive commission from lenders for referrals through this site, and we do not sell visitor data to third parties. Our simulator's formulas — standard amortisation mathematics, LTV risk-tiering logic and SDLT banding — are disclosed openly across our guide pages rather than hidden behind a black box.
Content on this site is written and reviewed for mathematical accuracy first. Where UK tax bands, thresholds or regulatory figures are referenced, we link back to the relevant government source and flag that these figures change periodically — readers should always verify time-sensitive figures directly with HM Revenue & Customs, the Bank of England, or the Financial Conduct Authority before acting on them.
The Team
Editorial & Engineering Team
Software Engineers & Quantitative Modelers
AI Mortgage Forecast is maintained by a small team with backgrounds in software engineering and quantitative financial modelling. Every formula published on this site — the amortisation engine, LTV tiering logic and SDLT banding — is built and reviewed in-house rather than licensed from a third party, and is documented openly on our guide pages rather than hidden behind a black box. We welcome corrections: if you spot a calculation error or an outdated tax figure, please use our Contact page.
Strict Financial Disclaimer
Not Regulated Financial Advice
We provide mathematical forecasting tools, not regulated financial advice. AI Mortgage Forecast is not authorized or regulated by the Financial Conduct Authority (FCA). Nothing on this site should be interpreted as a personal recommendation to enter into any specific mortgage, credit agreement or financial product. Always consult an independent, FCA-regulated financial adviser or mortgage broker before executing any credit agreement. Read our full Financial Disclaimer for complete details.