{"id":4829,"date":"2016-10-14T16:07:52","date_gmt":"2016-10-14T15:07:52","guid":{"rendered":"http:\/\/www.sbwm.uk\/v3\/resources\/calculators-copy\/"},"modified":"2020-07-07T16:12:14","modified_gmt":"2020-07-07T15:12:14","slug":"mortgage-calculator","status":"publish","type":"page","link":"https:\/\/sbwm.uk\/v3\/resources\/calculator\/mortgage-calculator\/","title":{"rendered":"Mortgage Calculator"},"content":{"rendered":"<p><\/p>\n<!--themify_builder_content-->\n<div id=\"themify_builder_content-4829\" data-postid=\"4829\" class=\"themify_builder_content themify_builder_content-4829 themify_builder tf_clear\">\n                    <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_y3mz000 tb_first tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_fmnv979 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_954j888   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h1>Mortgage Calculator<\/h1>    <\/div>\n<\/div>\n<!-- \/module text --><!-- module box -->\n<div  class=\"module module-box tb_f9ko011 \" data-lazy=\"1\">\n    <div class=\"module-box-content ui  tb_default_color\">\n                <div class=\"tb_text_wrap\"><p>This tool helps to guide how much you\u2019d pay each month, while highlighting that the exact amount will depend on the type of mortgage and the lender. Users are encouraged to scenario test the effects of changing interest rates, deposit amounts and repayment terms, alongside steps to take to improve your options.<\/p><p><em><strong>Your home may be repossessed if you do not keep up repayments on your mortgage.<\/strong><\/em><\/p><\/div>\n    <\/div>\n<\/div>\n<!-- \/module box -->\n<!-- module plain text -->\n<div  class=\"module module-plain-text tb_bouu934 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <div>\n\n<noscript>\n\nYou have javascript turned off. Please turn javascript on to see the tools in action.\n\n<\/noscript>\n\n<a id=\"mortgage_calculator_new\" class=\"mas-widget\" lang=\"en\" href=\"https:\/\/www.moneyadviceservice.org.uk\/en\/tools\/mortgage-calculator-new\" target=\"_blank\" data-width=\"100%\">Calculate your monthly mortgage payment<\/a>\n\n<\/div>\n<script class='application_scripts' src=\"https:\/\/www.moneyadviceservice.org.uk\/assets\/syndication\/tools.js\"><\/script>    <\/div>\n<\/div>\n<!-- \/module plain text -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_c5cz020 last\">\n                    <!-- module template_part -->\n<div  class=\"module module-layout-part tb_xy6z826 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-6957 themify_builder not_editable_builder in_the_loop\" data-postid=\"6957\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_4r04888 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_v766004 first\">\n                    <!-- module callout -->\n<div  class=\"module ui module-callout tb_dq3v636 button-bottom-center transparent  rounded\" data-lazy=\"1\">\n    \n    <div class=\"callout-inner\">\n    <div class=\"callout-content tf_left\">\n        <h3 class=\"callout-heading\"><strong>Interested in any <p \/> of these topics!<\/strong><\/h3>\n        <div class=\"tb_text_wrap\">\n            For an informal, no obligation, chat with a consultant please call <h5> <strong> <span class=\"shortcode themify-icon \"><i class=\"themify-icon-icon\" ><svg  class=\"tf_fa tf-fas-phone\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-fas-phone\" xlink:href=\"#tf-fas-phone\"><\/use><\/svg><\/i><\/span>\u00a001689 667405<\/strong> <\/h5> or email <p><strong><a href=\"mailto:enquiries@sbwm.uk\">enquiries@sbwm.uk<\/a><\/strong> <\/p>        <\/div>\n    <\/div>\n    <!-- \/callout-content -->\n        <\/div>\n    <!-- \/callout-content -->\n<\/div>\n<!-- \/module callout -->\n        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_icju5 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7213 themify_builder not_editable_builder in_the_loop\" data-postid=\"7213\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_bbmo319 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_fx7c320 first\">\n                    <!-- module widget -->\n<div  class=\"module module-widget tb_59ly3  \" data-lazy=\"1\">\n    <div class=\"widget feature-posts\"><h2 class=\"widgettitle\">Recent Posts<\/h2><ul class=\"feature-posts-list\"><li><a href=\"https:\/\/sbwm.uk\/v3\/news\/what-can-financial-planning-do-for-you-2\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/10\/SBWM-Financial-planning-journey-1024x536-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-7437 lazyload\" title=\"SBWM-Financial-planning-journey\" alt=\"SBWM-Financial-planning-journey\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/10\/SBWM-Financial-planning-journey-1024x536-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/10\/SBWM-Financial-planning-journey-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/10\/SBWM-Financial-planning-journey-1024x536-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/news\/what-can-financial-planning-do-for-you-2\/\" class=\"feature-posts-title\">What can financial planning do for you<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/a-comfortable-retirement-for-only-9-what-the-headlines-mean\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/A-\u2018comfortable-retirement-for-only-9-\u2013-what-the-headlines-mean-1024x684-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11488 lazyload\" title=\"A \u2018comfortable\u2019 retirement for only 9% \u2013 what the headlines mean\" alt=\"A \u2018comfortable\u2019 retirement for only 9% \u2013 what the headlines mean\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/A-\u2018comfortable-retirement-for-only-9-\u2013-what-the-headlines-mean-1024x684-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/A-\u2018comfortable-retirement-for-only-9-\u2013-what-the-headlines-mean-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/A-\u2018comfortable-retirement-for-only-9-\u2013-what-the-headlines-mean-1024x684-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/a-comfortable-retirement-for-only-9-what-the-headlines-mean\/\" class=\"feature-posts-title\">A \u2018comfortable\u2019 retirement for only 9% \u2013 what the headlines mean<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/writing-your-will-remember-to-choose-your-executors-with-care\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Writing-your-will-\u2013-Remember-to-choose-your-executors-with-care-1024x683-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11483 lazyload\" title=\"Writing your will \u2013 Remember to choose your executors with care\" alt=\"Writing your will \u2013 Remember to choose your executors with care\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Writing-your-will-\u2013-Remember-to-choose-your-executors-with-care-1024x683-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Writing-your-will-\u2013-Remember-to-choose-your-executors-with-care-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Writing-your-will-\u2013-Remember-to-choose-your-executors-with-care-1024x683-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/writing-your-will-remember-to-choose-your-executors-with-care\/\" class=\"feature-posts-title\">Writing your will? Remember to choose your executors with care<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/wealth-tax-comes-around-again\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Wealth-tax-comes-around-again-1024x520-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11479 lazyload\" title=\"Wealth tax comes around again\" alt=\"Wealth tax comes around again\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Wealth-tax-comes-around-again-1024x520-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Wealth-tax-comes-around-again-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Wealth-tax-comes-around-again-1024x520-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/wealth-tax-comes-around-again\/\" class=\"feature-posts-title\">Wealth tax comes around again<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/an-overdue-thaw-on-mileage-rates\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/An-overdue-thaw-on-mileage-rates-1024x666-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11475 lazyload\" title=\"An overdue thaw on mileage rates\" alt=\"An overdue thaw on mileage rates\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/An-overdue-thaw-on-mileage-rates-1024x666-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/An-overdue-thaw-on-mileage-rates-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/An-overdue-thaw-on-mileage-rates-1024x666-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/an-overdue-thaw-on-mileage-rates\/\" class=\"feature-posts-title\">An overdue thaw on mileage rates<\/a> <br \/><\/li><\/ul><\/div><\/div>\n<!-- \/module widget -->\n        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_i6hv595 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7217 themify_builder not_editable_builder in_the_loop\" data-postid=\"7217\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_l777512 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_6u87513 first\">\n                    <!-- module post -->\n<div  class=\"module module-testimonial tb_no32446 \">\n    <div  class=\"builder-posts-wrap loops-wrapper testimonial fullwidth tf_clear tf_clearfix\" data-lazy=\"1\">\n    <article id=\"testimonial-7412\" class=\"post tf_clearfix testimonial-post post-7412 testimonial type-testimonial status-publish hentry testimonial-category-testimonials has-post-title has-post-date has-post-category has-post-tag has-post-comment has-post-author \">\n\t\n\t<div class=\"testimonial-content\">\n\t\t<div class=\"entry-content\">\n\n\t\t\t\t\t\t\t\t\t<h1 class=\"post-title\">A professional relationship built on trust and the understanding of our financial plans<\/h1>\n\t\t\t\t\t\n\t\t\t\t\tI was introduced to Graham via a colleague at a time when my wife and I had to make some very challenging financial decisions that would affect our future lives in retirement. Despite a long career in the financial industry, obtaining professional advice was essential and I sought help from Graham. Graham was thorough and yet skilful enough to be able to cut through the complexity, which in turn gave us clarity and allowed us to make decisions that gave us the flexibility we sought. Graham has access to a network of financial experts, strong trusted relationships which he has built up over many years which he brings into play when required. I reflected long and hard on Graham starting Sky Blue Wealth Management and came to the conclusion that it would give Graham the flexibility to spend more time on his clients which is where he has the biggest positive impact. It was also not lost on me that a great concern to clients is that a trusted advisor will move on and whilst there is never any guarantees in life Graham\u2019s move to SBWM goes a long way to ensuring relationship certainty.\r\n\r\nI have not hesitated in recommending Graham to others.<!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7412 themify_builder not_editable_builder in_the_loop\" data-postid=\"7412\">\n            <\/div>\n<!--\/themify_builder_content-->\t\t\n\t\t<\/div>\n\t\t<!-- \/.entry-content -->\n\n\t\t\t<\/div>\n\t<!-- \/.testimonial-content -->\n\n\t\n\t\t\t\t\t<p class=\"testimonial-author\">\n\t\t\t<a href=\"https:\/\/sbwm.uk\/v3\/testimonial\/a-professional-relationship-built-on-trust-and-the-understanding-of-our-financial-plans\/\" title=\"A professional relationship built on trust and the understanding of our financial plans\">&mdash; <span>Graham Wright <\/span><\/a><span class=\"testimonial-title\">Senior Director, retired \u2013 Banking<\/span>\t\t<\/p>\n\t\t<!-- \/.testimonial-author -->\n\t\t\t\n\t<\/article>\n<!-- \/.testimonial-post -->\n    <\/div><!-- .builder-posts-wrap -->\n            <\/div>\n<!-- \/module post -->\n            <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part -->        <\/div>\n                        <\/div>\n        <\/div>\n        <\/div>\n<!--\/themify_builder_content-->","protected":false},"excerpt":{"rendered":"<p>Mortgage Calculator This tool helps to guide how much you\u2019d pay each month, while highlighting that the exact amount will depend on the type of mortgage and the lender. Users are encouraged to scenario test the effects of changing interest rates, deposit amounts and repayment terms, alongside steps to take to improve your options. Your [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":4822,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4829","page","type-page","status-publish","hentry","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"builder_content":"<h1>Mortgage Calculator<\/h1>\n<p>This tool helps to guide how much you\u2019d pay each month, while highlighting that the exact amount will depend on the type of mortgage and the lender. Users are encouraged to scenario test the effects of changing interest rates, deposit amounts and repayment terms, alongside steps to take to improve your options.<\/p><p><em><strong>Your home may be repossessed if you do not keep up repayments on your mortgage.<\/strong><\/em><\/p>\n<noscript>\nYou have javascript turned off. Please turn javascript on to see the tools in action.\n<\/noscript>\n<a id=\"mortgage_calculator_new\" lang=\"en\" href=\"https:\/\/www.moneyadviceservice.org.uk\/en\/tools\/mortgage-calculator-new\" target=\"_blank\" data-width=\"100%\">Calculate your monthly mortgage payment<\/a>","_links":{"self":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4829","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/comments?post=4829"}],"version-history":[{"count":10,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4829\/revisions"}],"predecessor-version":[{"id":7258,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4829\/revisions\/7258"}],"up":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4822"}],"wp:attachment":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/media?parent=4829"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}