Four routes, side by side

MortgageExtension.co.uk sets the routes side by side on your own figures, so you can decide with your lender. Enter your mortgage details below. It does not tell you which route to take; it shows the numbers for each so you can weigh them against what cannot be shown in numbers.

Your current mortgage
What you could manage
Used only for the "extend the term" route below.

What to check next

  • Check your current mortgage offer or latest annual statement for the exact balance, rate and term, since small differences change every figure above.
  • Check with your lender whether you qualify for the Mortgage Charter options, and ask in writing how each one is recorded on your account.
  • Check your credit report after any change and query anything that does not match what your lender told you.
  • Speak with a regulated financial adviser, or a free debt and mortgage support service, before you decide, particularly if any route takes you past your expected retirement age.