A mortgage payment that has become hard to meet
This site is for UK homeowners in that position. It sets out the rules behind each option and shows the sums side by side.
See four routes, side by sideNo lender or broker pays for a place here
How it's funded
Some mortgage sites earn their money from lenders or brokers who pay to appear, or to have a particular deal shown first. This site takes no such payment from either. The mortgage lender directory lists a lender because it has signed the Mortgage Charter.
How the figures are calculated
The four-route comparison tool works from the balance, interest rate, remaining term and overpayment you enter yourself. There's no rate table behind it and no example deal: every figure it shows is built from the numbers you typed in, calculated in your browser.
That makes the result an illustration, not a quote. It can be wrong for your own situation if you get a figure slightly off, and it leaves out lender-specific fees, early repayment charges and any future change in interest rates, so the monthly payment, the total interest and the year-by-year cost it shows can differ from what you're eventually charged. Treat it as a starting point for a conversation with your lender.
No relationship with lenders or brokers
Nothing you type into the calculator is sent anywhere. There's no form collecting your balance or your rate for a lender to call you about afterwards, and no referral fired off to a broker once you've seen the result. The four routes sit side by side because each one carries a different cost and a different consequence.
The four routes compared on this site assume you're still up to date on your mortgage payments. If you've already missed one, a different set of rules applies, and the page on which route you're asking for sets out the distinction.
No lender pays to be listed
The lender directory is built from who has signed the Mortgage Charter.
Your figures stay in your browser
The calculator works entirely from the numbers you enter. Nothing is submitted, stored or passed to a lender or broker.
Getting in touch
Questions about a calculation, a citation, or anything on this site that doesn't look right can be sent to mortgageextension.
If you've already missed a payment
The four routes compared on this site assume you're still up to date, because that is what decides whether a lender can offer the Mortgage Charter's one-off terms or needs to move you onto a formal arrangement instead. If you've already missed a payment, a free debt advice service can look at your full financial position and talk through options this site doesn't cover. That advice is free and regulated; it isn't something this site provides.
Nothing here replaces a conversation with your lender or a regulated adviser about your own mortgage. The calculator works from the balance, rate and term you enter, and its figures can be wrong for your situation if a fee, a rate change, or an early repayment charge isn't reflected in them.