MJ

Michael Johnson

Mortgages, loans and household borrowing · Calc UK

Mortgages
Loans
Insurance
Property costs

Michael has spent close to twenty years around lending — first assessing mortgage applications, later training brokers on how affordability is actually worked out rather than how it is advertised. That background shapes what he writes here: the arithmetic on a repayment schedule is simple, and almost every surprise a borrower meets comes from a fee, a rounding rule or a rate that resets on a date nobody pointed at.

He looks after the mortgage, loan and insurance calculators, and reviews anything that quotes an interest rate. His rule for a worked example is that it has to survive being checked against a real lender's statement — if a figure only holds because the example ignores the arrangement fee, the example is wrong and the page gets rewritten.

He is most interested in the questions people are too embarrassed to ask: what overpaying actually saves, why the balance barely moves in the early years, and when refinancing costs more than it returns.

75

Written

212

Reviewed

Written by Michael Johnson

Showing 60 of 75.

Balloon payment

calculate 3 pay increase

calculate btu for room

calculate electricity cost

calculate equity in home

calculate first mortgage payment

calculate floor area

calculate gas bill

calculate gold price

calculate gross margin

calculate gross profit

calculate income

calculate interest only mortgage

calculate joist size

calculate lease extension

calculate loan repayments

calculate loan to value ratio

calculate maternity pay

calculate mortgage repayments

calculate mortgage

calculate pro rata salary

calculate rebuild cost

calculate redundancy pay

calculate rental yield

calculate statutory redundancy

calculate student loan repayment

calculate universal credit

calculate weekly pay

calculate year on year growth

calculate your salary

Cash on cash return

Credit card interest

Credit card payoff

Credit utilisation

Consolidation payment

Consolidation savings

Debt payoff date

Debt to income ratio

Disability cover needed

Gross rent multiplier

Insurance payout

Insurance premium

Life insurance needs

Mortgage affordability

Mortgage amortisation

Reviewed by Michael Johnson

Showing 60 of 212.

calculate 20 tax

calculate 25 off

calculate 60 off

Annual expenses

Annuity payment

calculate adjusted net income

calculate annual salary

calculate bonus after tax

calculate capital gains tax

calculate car tax

calculate company car tax

calculate corporation tax

calculate council tax

calculate daily interest

calculate dividend tax

calculate electricity bill

calculate ev charging cost

calculate exchange rate

calculate fuel cost

calculate gold zakat

calculate gross salary from net

calculate growth

calculate holiday entitlement

calculate hourly rate

calculate how much tax i will pay

calculate income tax

calculate interest on savings

calculate isa interest

calculate kwh cost

calculate lucky 15

calculate my take home pay

calculate my tax

calculate national insurance

calculate net income

calculate net worth

calculate ni and tax

calculate overtime

calculate pay after tax

All contributors