The Mathematics of Amortisation Curves
A derivation of the standard amortisation formula and how the interest/principal split evolves month by month.
Read guideResource Center
Quantitative research, forecasting models and stress-testing guides for anyone who wants to understand the numbers behind their mortgage.
Quantitative Research
Quantifying the Overpayment Compounding Effect
Why the timing of extra capital repayments matters more than the total amount overpaid.
Read guideLTV Risk-Weighting and Retail Rate Dispersion
How deposit size maps onto lender risk tiers and the resulting spread in headline mortgage rates.
Read guideBank Rate Forecasting Models
Reading Swap Rates as a Forward Indicator
Why fixed mortgage pricing often moves ahead of the Bank of England's actual decision.
Read guideTracker vs. Fixed: A Decision Framework
A structured way to weigh payment certainty against potential upside when choosing your next mortgage deal.
Read guideStress-Testing Guides
Modelling a +2% Rate Shock on Your Repayment
A step-by-step method for testing whether your budget could absorb reverting to a much higher rate.
Try the simulatorSDLT Budgeting for First-Time Buyers
How to estimate your total upfront cash requirement including Stamp Duty before making an offer.
Try the simulatorInterest-Only Repayment Vehicle Checklist
Key questions to ask before relying on an interest-only structure, and how to verify your repayment vehicle stays on track.
Read guideEducational Modelling Notice
All Resource Center content is educational and does not constitute regulated financial advice. See our full Financial Disclaimer.