{"id":187893,"date":"2019-04-17T17:10:23","date_gmt":"2019-04-17T16:10:23","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=187893"},"modified":"2024-07-15T08:14:42","modified_gmt":"2024-07-15T07:14:42","slug":"100000-mortgage","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/mortgages\/100000-mortgage","title":{"rendered":"How much would I pay on a \u00a3100,000 mortgage?"},"content":{"rendered":"<p>You\u2019ve found your dream home and now just need to sort your finances. Here\u2019s our breakdown of what you might pay monthly, including interest, over the life of a \u00a3100,000 mortgage.<\/p><article class=\"luna-card luna-card--border\">\n<div class=\"luna-card__block\">\n<form class=\"luna-form\" onsubmit=\"return false\">\n<fieldset class=\"luna-form__fieldset\">\n<legend class=\"luna-legend\">\u00a3100,000 mortgage calculator<\/legend>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput1\">Drawdown<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">\u00a3<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"10\" placeholder=\"\" id=\"ukfininput1\" value=\"100000\">\n<\/div>\n<\/div>\n\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput2\">Fees<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">\u00a3<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"1\" placeholder=\"\" id=\"ukfininput2\" value=\"999\">\n<\/div>\n<\/div>\n\n<div class=\"luna-form__field\">\n<label class=\"luna-label\" for=\"ukfininput3\">Pay fees<\/label>\n<select class=\"luna-select\" id=\"ukfininput3\">\n<option>Upfront<\/option>\n<option>With mortgage<\/option>\n<\/select>\n<\/div>\n<\/div>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput4\">Intro fixed rate<\/label>\n<div class=\"luna-affix\">\n<input class=\"luna-input\" type=\"number\" step=\"0.01\" placeholder=\"\" id=\"ukfininput4\" value=\"4.25\">\n<span class=\"luna-affix__label\">%<\/span>\n<\/div>\n<\/div>\n\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput5\">Intro fixed rate term (months)<\/label>\n<input class=\"luna-input\" type=\"number\" step=\"1\" placeholder=\"\" id=\"ukfininput5\" value=\"48\">\n<\/div>\n<\/div>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput6\">Revert rate<\/label>\n<div class=\"luna-affix\">\n<input class=\"luna-input\" type=\"number\" step=\"0.01\" placeholder=\"\" id=\"ukfininput6\" value=\"7.5\">\n<span class=\"luna-affix__label\">%<\/span>\n<\/div>\n<\/div>\n\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput7\">Full term (years, max 40)<\/label>\n<input class=\"luna-input\" type=\"number\" step=\"1\" placeholder=\"\" id=\"ukfininput7\" value=\"25\">\n<\/div>\n<\/div>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__actions\">\n<button class=\"luna-button luna-button--primary\" onclick=\"showResults(0);\">Calculate<\/button>\n<\/div>\n<\/div>\n\n<\/fieldset>\n<\/form>\n\n<article class=\"luna-card luna-card--alt has-margin-top-small\">\n<div class=\"luna-card__block\">\n<p class=\"text-x-large no-margin-bottom\" id=\"resultmessage\">Use the fields above to estimate mortgage costs.<\/p>\n<div id=\"clcdsclmr\" class=\"text-small is-hidden\">Please note this calculator provides illustrative estimates only.<\/div>\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<script>\n\ndocument.addEventListener('DOMContentLoaded', showResults(1), false);\n\nfunction showResults(onld) {\n\nvar drwdn = Number(document.getElementById(\"ukfininput1\").value);\nvar fees = Number(document.getElementById(\"ukfininput2\").value);\nvar bndl = document.getElementById(\"ukfininput3\").value;\nvar intrt = Number(document.getElementById(\"ukfininput4\").value)\/100;\nvar inttrm = Number(document.getElementById(\"ukfininput5\").value);\nvar rvtrt = Number(document.getElementById(\"ukfininput6\").value)\/100;\nvar flltrm = Number(document.getElementById(\"ukfininput7\").value);\n\nvar upfrnt = fees;\n\nif (fees > 0 && bndl == \"With mortgage\") { drwdn = drwdn+fees; upfrnt = 0; }\n\nif (intrt > 0 && inttrm > 0) {\nvar intinst = drwdn * ((intrt\/12)\/(1-Math.pow(1+(intrt\/12),0-(12*flltrm))));\nvar intpd = intinst * inttrm;\nvar intcprpd = drwdn * ((Math.pow((1+(intrt\/12)),inttrm)-1)\/(Math.pow((1+(intrt\/12)),(flltrm*12))-1));\nvar intintpd = intpd - intcprpd;\n}\nelse\n{ var intinst = 0; var intcprpd = 0; var intpd = 0; var intintpd = 0; }\n\nif ((flltrm*12)-inttrm>0) {\nvar rvtinst = (drwdn-intcprpd)*((rvtrt\/12)\/(1-(Math.pow(1+(rvtrt\/12),0-((12*flltrm)-inttrm)))));\nvar rvtpd = rvtinst * ((flltrm*12)-inttrm);\nvar rvtcprpd = (drwdn-intcprpd)*((Math.pow((1+(rvtrt\/12)),((flltrm*12)-inttrm))-1)\/(Math.pow((1+(rvtrt\/12)),((flltrm*12)-inttrm))-1));\nvar rvtintpd = rvtpd - rvtcprpd;\n}\nelse\n{ var rvtinst = 0; var rvtcprpd = 0; var rvtpd = 0; var rvtintpd = 0; }\n\nvar ttl = upfrnt + intpd + rvtpd;\nvar ttlint = ttl - drwdn - fees;\n\nvar resultmessage = document.getElementById(\"resultmessage\");\nresultmessage.innerHTML = '<table class=\"luna-table\"><tbody class=\"luna-table__body\"><tr><th>Upfront fees<td class=\"luna-table__numeric\">' + upfrnt.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) + '<tr><th>Initial monthly payment<td class=\"luna-table__numeric\">' + intinst.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) + '<tr><th>Capital repaid in intro period<td class=\"luna-table__numeric\">' + intcprpd.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) +  '<tr><th>Revert monthly payment<td class=\"luna-table__numeric\">' + rvtinst.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) + '<tr><th>Capital repaid in revert period<td class=\"luna-table__numeric\">' + rvtcprpd.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) + '<tr><th>Overall interest<td class=\"luna-table__numeric\">' + ttlint.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) + '<tr><th>Overall cost<td class=\"luna-table__numeric\">' + ttl.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 0}) + '';\n\ndocument.getElementById(\"clcdsclmr\").classList.remove('is-hidden');\n\nif (onld == 0) { resultmessage.scrollIntoView({behavior: 'smooth'}); }\n\n}\n<\/script><style>\r\n.gx-badge .popover-content { line-height: 19.5px; }\r\n@media screen and (max-width: 600px) {\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n.uk-hero-rates .text-xxx-large { text-align: center; }\r\n.applylinks .luna-button--success { margin-top: 12px; }\r\n}\r\n<\/style>\r\n<article id=\"ukfeatureproduct\" class=\"luna-card luna-card--border uk-hero-rates\" style=\"max-width: 897px; margin: 0px auto 24px;\">\r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text has-padding-xsmall no-padding-bottom\">\r\n<span class=\"disclaimer_popup--text\">Promoted<\/span>\r\n<a class=\"disclaimer_popup disclaimer_title_empty\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\" aria-label=\"Learn more about what Promoted means on Finder\">\r\n<svg class=\"luna-icon luna-icon--small luna-icon--primary\">\r\n<use xlink:href=\"#info-circle\"><\/use>\r\n<\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<div class=\"luna-card__block no-padding-top\" style=\"border: 0px;\">\r\n<div class=\"u-grid u-grid--alignMiddle\">\r\n<div class=\"u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/landc-general-mortgage-queries-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22064983ae-f801-49ac-990b-1bc452f71e23%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%2BGeneral%2Bmortgage%2Bqueries%22%2C%22offer_id%22%3A%223781%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_COMPACT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22post_id%22%3A%22187893%22%2C%22post_path%22%3A%22mortgages%252F100000-mortgage%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"new\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5df755de81828.png\" alt=\"L&amp;C General mortgage queries\" class=\"has-margin-bottom-xsmall has-padding-small no-padding-top has-margin-top-small\" style=\"width: 168px; min-width: 120px; max-height: 140px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5df755de81828.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5df755de81828.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5df755de81828.png?fit=504 504w\" sizes=\"(max-width: 504px) 100vw, 504px\" loading=\"lazy\"><\/a><\/div>\r\n<div class=\"u-grid__col u-1\/2@s\" style=\"margin-top: -5px;\">\r\n<div class=\"has-margin-bottom-xsmall text-xxx-large weight-normal\">Now see rates from 80+ lenders<\/div>\r\n\r\n\r\n<ul class=\"list-1 no-margin-left\">\r\n\r\n\r\n\r\n<li>The UK's largest fee-free broker<\/li>\r\n\r\n<li>No need for a credit check<\/li>\r\n\r\n<li>Support through the whole process<\/li>\r\n\r\n\r\n\r\n<\/ul>\r\n\r\n\r\n<\/div>\r\n<div class=\"applylinks u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/landc-general-mortgage-queries-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22064983ae-f801-49ac-990b-1bc452f71e23%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%2BGeneral%2Bmortgage%2Bqueries%22%2C%22offer_id%22%3A%223781%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_COMPACT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22post_id%22%3A%22187893%22%2C%22post_path%22%3A%22mortgages%252F100000-mortgage%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"new\" class=\"luna-button luna-button--large luna-button--success luna-button\">Compare now<\/a>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.<\/div><\/article><p id=\"ukfhl_main_options\">We've teamed up with L&amp;C Mortgages to help you compare live rates from over 80 lenders.<\/p>\n<div class=\"text-xxx-large u-font--bold has-margin-bottom-xsmall\">I want to...<\/div>\n<div class=\"u-grid\">\n<div class=\"u-grid__col u-1\/2@s\">\n<article class=\"luna-card luna-card--shadow\">\n<div class=\"luna-card__block\"><svg class=\"luna-icon--medium has-margin-right-xsmall\" style=\"margin-bottom: -8px;\"><use xlink:href=\"#icon-first-buyer\"><\/use><\/svg><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/landc-first-time-buyer-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Buy%2Bmy%2Bfirst%2Bhome%22%2C%22site%22%3A%22UKFHL%22%2C%22class%22%3A%22luna-card__title%22%2C%22offer_id%22%3A%223781%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%227886fbfd-9ae1-43e8-83ea-f9483f00b5ce%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%2BFirst%2Btime%2Bbuyer%22%2C%22provider_id%22%3A%2210be2346-8376-46f8-bd3d-44a34c873d67%22%2C%22provider_name%22%3A%22L%255BAMPERSAND%255DC%22%2C%22post_id%22%3A%22187893%22%2C%22post_path%22%3A%22mortgages%252F100000-mortgage%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A536938%2C%22name%22%3A%22ukfhl_main_options%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-card__title\">Buy my first home<\/a><\/div>\n<\/article>\n<\/div>\n<div class=\"u-grid__col u-1\/2@s\">\n<article 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luna-card--shadow\">\n<div class=\"luna-card__block\"><svg class=\"luna-icon--medium has-margin-right-xsmall\" style=\"margin-bottom: -8px;\"><use xlink:href=\"#icon-short-loans-solid\"><\/use><\/svg><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/landc-first-time-buyer-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Remortgage%2B%255BAMPERSAND%255D%2Bsave%22%2C%22site%22%3A%22UKFHL%22%2C%22class%22%3A%22luna-card__title%22%2C%22offer_id%22%3A%223781%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%227886fbfd-9ae1-43e8-83ea-f9483f00b5ce%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%2BFirst%2Btime%2Bbuyer%22%2C%22provider_id%22%3A%2210be2346-8376-46f8-bd3d-44a34c873d67%22%2C%22provider_name%22%3A%22L%255BAMPERSAND%255DC%22%2C%22post_id%22%3A%22187893%22%2C%22post_path%22%3A%22mortgages%252F100000-mortgage%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A536938%2C%22name%22%3A%22ukfhl_main_options%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-card__title\">Remortgage &amp; save<\/a><\/div>\n<\/article>\n<\/div>\n<div class=\"u-grid__col u-1\/2@s\">\n<article class=\"luna-card luna-card--shadow\">\n<div class=\"luna-card__block\"><svg class=\"luna-icon--medium has-margin-right-xsmall\" style=\"margin-bottom: -8px;\"><use xlink:href=\"#icon-exclusive-deals-solid\"><\/use><\/svg><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/landc-first-time-buyer-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Buy%2Bto%2Blet%22%2C%22site%22%3A%22UKFHL%22%2C%22class%22%3A%22luna-card__title%22%2C%22offer_id%22%3A%223781%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%227886fbfd-9ae1-43e8-83ea-f9483f00b5ce%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%2BFirst%2Btime%2Bbuyer%22%2C%22provider_id%22%3A%2210be2346-8376-46f8-bd3d-44a34c873d67%22%2C%22provider_name%22%3A%22L%255BAMPERSAND%255DC%22%2C%22post_id%22%3A%22187893%22%2C%22post_path%22%3A%22mortgages%252F100000-mortgage%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A536938%2C%22name%22%3A%22ukfhl_main_options%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-card__title\">Buy to let<\/a><\/div>\n<\/article>\n<\/div>\n<\/div>\n<div class=\"text-center\">We compare brands including:<\/div>\n\n<div class=\"u-grid u-grid--alignCenter no-margin-left no-margin-right has-margin-bottom\">\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5de6624f3b067.png\" alt=\"Post Office Money\u00ae logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5de6624f3b067.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5de6624f3b067.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5de6624f3b067.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5de6624f3b067.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5de6624f3b067.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5de653c442a65.png\" alt=\"NatWest logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5de653c442a65.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5de653c442a65.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5de653c442a65.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5de653c442a65.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5de653c442a65.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5de641ff3aac8.png\" alt=\"Halifax logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5de641ff3aac8.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5de641ff3aac8.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5de641ff3aac8.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5de641ff3aac8.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5de641ff3aac8.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/60f065a491297.png\" alt=\"HSBC logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/60f065a491297.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/60f065a491297.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/60f065a491297.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/60f065a491297.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/60f065a491297.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/60e2c994507a5.png\" alt=\"Barclays Mortgages logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/60e2c994507a5.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/60e2c994507a5.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/60e2c994507a5.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/60e2c994507a5.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/60e2c994507a5.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5de7e63cbedd0.png\" alt=\"Molo Finance logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5de7e63cbedd0.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5de7e63cbedd0.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5de7e63cbedd0.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5de7e63cbedd0.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5de7e63cbedd0.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5de66a391e5dd.png\" alt=\"Skipton BS logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5de66a391e5dd.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5de66a391e5dd.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5de66a391e5dd.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5de66a391e5dd.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5de66a391e5dd.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5de7e3c170280.png\" alt=\"TSB logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5de7e3c170280.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5de7e3c170280.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5de7e3c170280.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5de7e3c170280.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5de7e3c170280.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<\/div>\n\n<h3 class=\"has-padding-top-large\" id=\"monthly-payments\">Monthly payments on a \u00a3100,000 mortgage<\/h3><p>At a 4% fixed interest rate, your monthly mortgage payment on a 30-year mortgage might total <strong>\u00a3477.42 a month<\/strong>, while a 15-year might cost <strong>\u00a3739.69 a month<\/strong>.<\/p><p>Note that your monthly mortgage payments will vary depending on your interest rate, taxes and PMI, among related fees.<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">See your monthly payments by interest rate.<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Interest<\/th><th scope=\"col\">Mortgage term<\/th><th scope=\"col\">Monthly payments<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">3.0%<\/th><td>15 years<\/td><td>\u00a3690.58<\/td><\/tr><tr><th scope=\"row\">3.0%<\/th><td>30 years<\/td><td>\u00a3421.60<\/td><\/tr><tr><th scope=\"row\">3.25%<\/th><td>15 years<\/td><td>\u00a3702.67<\/td><\/tr><tr><th scope=\"row\">3.25%<\/th><td>30 years<\/td><td>\u00a3435.21<\/td><\/tr><tr><th scope=\"row\">3.5%<\/th><td>15 years<\/td><td>\u00a3714.88<\/td><\/tr><tr><th scope=\"row\">3.5%<\/th><td>30 years<\/td><td>\u00a3449.04<\/td><\/tr><tr><th scope=\"row\">3.75%<\/th><td>15 years<\/td><td>\u00a3727.22<\/td><\/tr><tr><th scope=\"row\">3.75%<\/th><td>30 years<\/td><td>\u00a3463.12<\/td><\/tr><tr><th scope=\"row\">4.0%<\/th><td>15 years<\/td><td>\u00a3739.69<\/td><\/tr><tr><th scope=\"row\">4.0%<\/th><td>30 years<\/td><td>\u00a3477.42<\/td><\/tr><tr><th scope=\"row\">4.25%<\/th><td>15 years<\/td><td>\u00a3752.28<\/td><\/tr><tr><th scope=\"row\">4.25%<\/th><td>30 years<\/td><td>\u00a3491.94<\/td><\/tr><tr><th scope=\"row\">4.5%<\/th><td>15 years<\/td><td>\u00a3764.99<\/td><\/tr><tr><th scope=\"row\">4.5%<\/th><td>30 years<\/td><td>\u00a3506.69<\/td><\/tr><tr><th scope=\"row\">4.75%<\/th><td>15 years<\/td><td>\u00a3777.83<\/td><\/tr><tr><th scope=\"row\">4.75%<\/th><td>30 years<\/td><td>\u00a3521.65<\/td><\/tr><tr><th scope=\"row\">5.0%<\/th><td>15 years<\/td><td>\u00a3790.79<\/td><\/tr><tr><th scope=\"row\">5.0%<\/th><td>30 years<\/td><td>\u00a3536.82<\/td><\/tr><tr><th scope=\"row\">5.25%<\/th><td>15 years<\/td><td>\u00a3803.88<\/td><\/tr><tr><th scope=\"row\">5.25%<\/th><td>30 years<\/td><td>\u00a3552.20<\/td><\/tr><tr><th scope=\"row\">5.5%<\/th><td>15 years<\/td><td>\u00a3817.08<\/td><\/tr><tr><th scope=\"row\">5.5%<\/th><td>30 years<\/td><td>\u00a3567.79<\/td><\/tr><\/tbody><\/table><\/div>\n  <\/div>\n<\/li><\/ul><h3 id=\"totalinterest\">Your total interest on a \u00a3100,000 mortgage<\/h3><p>On a 30-year mortgage with a 4% fixed interest rate, you\u2019ll pay <strong>\u00a371,869.51 in interest<\/strong> overall. That\u2019s about two-thirds of what you borrowed in interest.<\/p><p>If you instead opt for a 15-year mortgage, you\u2019ll pay <strong>\u00a333,143.83 in interest<\/strong> overall, or about half of the interest you\u2019d pay on a 30-year mortgage.<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">See how much you'd pay in total interest based on the interest rate.<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Interest<\/th><th scope=\"col\">Mortgage term<\/th><th scope=\"col\">Total interest charged<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>3.0%<\/td><td>15 years<\/td><td>\u00a324,304.70<\/td><\/tr><tr><td>3.0%<\/td><td>30 years<\/td><td>\u00a351,777.45<\/td><\/tr><tr><td>3.25%<\/td><td>15 years<\/td><td>\u00a326,480.38<\/td><\/tr><tr><td>3.25%<\/td><td>30 years<\/td><td>\u00a356,674.27<\/td><\/tr><tr><td>3.5%<\/td><td>15 years<\/td><td>\u00a328,678.86<\/td><\/tr><tr><td>3.5%<\/td><td>30 years<\/td><td>\u00a361,656.09<\/td><\/tr><tr><td>3.75%<\/td><td>15 years<\/td><td>\u00a330,900.04<\/td><\/tr><tr><td>3.75%<\/td><td>30 years<\/td><td>\u00a366,721.61<\/td><\/tr><tr><td>4.0%<\/td><td>15 years<\/td><td>\u00a333,143.83<\/td><\/tr><tr><td>4.0%<\/td><td>30 years<\/td><td>\u00a371,869.51<\/td><\/tr><tr><td>4.25%<\/td><td>15 years<\/td><td>\u00a335,410.11<\/td><\/tr><tr><td>4.25%<\/td><td>30 years<\/td><td>\u00a377,098.36<\/td><\/tr><tr><td>4.5%<\/td><td>15 years<\/td><td>\u00a337,698.79<\/td><\/tr><tr><td>4.5%<\/td><td>30 years<\/td><td>\u00a382,406.71<\/td><\/tr><tr><td>4.75%<\/td><td>15 years<\/td><td>\u00a340,009.75<\/td><\/tr><tr><td>4.75%<\/td><td>30 years<\/td><td>\u00a387,793.04<\/td><\/tr><tr><td>5.0%<\/td><td>15 years<\/td><td>\u00a342,342.85<\/td><\/tr><tr><td>5.0%<\/td><td>30 years<\/td><td>\u00a393,255.78<\/td><\/tr><tr><td>5.25%<\/td><td>15 years<\/td><td>\u00a344,697.99<\/td><\/tr><tr><td>5.25%<\/td><td>30 years<\/td><td>\u00a398,793.33<\/td><\/tr><tr><td>5.5%<\/td><td>15 years<\/td><td>\u00a347,075.02<\/td><\/tr><tr><td>5.5%<\/td><td>30 years<\/td><td>\u00a3104,404.04<\/td><\/tr><\/tbody><\/table><\/div>\n  <\/div>\n<\/li><\/ul><h3 id=\"amortisation-schedule\">What is the total amount repayable?<\/h3><p>When you take out a mortgage, you agree to pay the principal and interest over an agreed term. Your interest rate is applied to your balance and as you pay down your balance, the amount you pay in interest changes.<\/p><p>This means that at the beginning of your mortgage, a big percentage of your payment is applied to interest. With each subsequent payment, you pay more towards your balance.<\/p><p>Estimate your monthly repayments on a \u00a3100,000 mortgage at 4% fixed interest with our total amount repayable over 15 and 30 years.<\/p><ul class=\"nav nav-tabs pb-tabs\"><li class=\"active\"><a href=\"#panel-1\" data-toggle=\"tab\">15-year term<\/a><\/li><li><a href=\"#panel-2\" data-toggle=\"tab\">30-year term<\/a><\/li><\/ul><div class=\"tab-content\"><div class=\"tab-pane active\" id=\"panel-1\" style=\"max-width: 100%; overflow-x: scroll;\"><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Year<\/th><th scope=\"col\">Beginning balance<\/th><th scope=\"col\">Total interest paid<\/th><th scope=\"col\">Total principal paid<\/th><th scope=\"col\">Remaining balance<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>1<\/td><td>\u00a3100,000.00<\/td><td>\u00a33,909.61<\/td><td>\u00a34,966.67<\/td><td>\u00a395,033.35<\/td><\/tr><tr><td>2<\/td><td>\u00a395,033.35<\/td><td>\u00a33,707.25<\/td><td>\u00a35,169.03<\/td><td>\u00a389,864.34<\/td><\/tr><tr><td>3<\/td><td>\u00a389,864.34<\/td><td>\u00a33,496.65<\/td><td>\u00a35,379.63<\/td><td>\u00a384,484.75<\/td><\/tr><tr><td>4<\/td><td>\u00a384,484.75<\/td><td>\u00a33,277.51<\/td><td>\u00a35,598.77<\/td><td>\u00a378,885.98<\/td><\/tr><tr><td>5<\/td><td>\u00a378,885.98<\/td><td>\u00a33,049.37<\/td><td>\u00a35,826.91<\/td><td>\u00a373,059.11<\/td><\/tr><tr><td>6<\/td><td>\u00a373,059.11<\/td><td>\u00a32,811.99<\/td><td>\u00a36,064.29<\/td><td>\u00a366,994.84<\/td><\/tr><tr><td>7<\/td><td>\u00a366,994.84<\/td><td>\u00a32,564.92<\/td><td>\u00a36,311.36<\/td><td>\u00a360,683.50<\/td><\/tr><tr><td>8<\/td><td>\u00a360,683.50<\/td><td>\u00a32,307.79<\/td><td>\u00a36,568.49<\/td><td>\u00a354,115.03<\/td><\/tr><tr><td>9<\/td><td>\u00a354,115.03<\/td><td>\u00a32,040.17<\/td><td>\u00a36,836.11<\/td><td>\u00a347,278.96<\/td><\/tr><tr><td>10<\/td><td>\u00a347,278.96<\/td><td>\u00a31,761.68<\/td><td>\u00a37,114.60<\/td><td>\u00a340,164.37<\/td><\/tr><tr><td>11<\/td><td>\u00a340,164.37<\/td><td>\u00a31,471.79<\/td><td>\u00a37,404.49<\/td><td>\u00a332,759.92<\/td><\/tr><tr><td>12<\/td><td>\u00a332,759.92<\/td><td>\u00a31,170.13<\/td><td>\u00a37,706.15<\/td><td>\u00a325,053.80<\/td><\/tr><tr><td>13<\/td><td>\u00a325,053.80<\/td><td>\u00a3856.18<\/td><td>\u00a38,020.10<\/td><td>\u00a317,033.72<\/td><\/tr><tr><td>14<\/td><td>\u00a317,033.72<\/td><td>\u00a3529.43<\/td><td>\u00a38,346.85<\/td><td>\u00a38,686.89<\/td><\/tr><tr><td>15<\/td><td>\u00a38,686.89<\/td><td>\u00a3189.38<\/td><td>\u00a38,686.90<\/td><td>\u00a30.00<\/td><\/tr><\/tbody><\/table><\/div><div class=\"tab-pane\" id=\"panel-2\" style=\"max-width: 100%; overflow-x: scroll;\"><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Year<\/th><th scope=\"col\">Beginning balance<\/th><th scope=\"col\">Total interest paid<\/th><th scope=\"col\">Total principal paid<\/th><th scope=\"col\">Remaining balance<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>1<\/td><td>\u00a3100,000.00<\/td><td>\u00a33,967.95<\/td><td>\u00a31,761.09<\/td><td>\u00a398,238.96<\/td><\/tr><tr><td>2<\/td><td>\u00a398,238.96<\/td><td>\u00a33,896.19<\/td><td>\u00a31,832.85<\/td><td>\u00a396,406.18<\/td><\/tr><tr><td>3<\/td><td>\u00a396,406.18<\/td><td>\u00a33,821.53<\/td><td>\u00a31,907.51<\/td><td>\u00a394,498.73<\/td><\/tr><tr><td>4<\/td><td>\u00a394,498.73<\/td><td>\u00a33,743.82<\/td><td>\u00a31,985.22<\/td><td>\u00a392,513.56<\/td><\/tr><tr><td>5<\/td><td>\u00a392,513.56<\/td><td>\u00a33,662.94<\/td><td>\u00a32,066.10<\/td><td>\u00a390,447.51<\/td><\/tr><tr><td>6<\/td><td>\u00a390,447.51<\/td><td>\u00a33,578.77<\/td><td>\u00a32,150.27<\/td><td>\u00a388,297.29<\/td><\/tr><tr><td>7<\/td><td>\u00a388,297.29<\/td><td>\u00a33,491.15<\/td><td>\u00a32,237.89<\/td><td>\u00a386,059.47<\/td><\/tr><tr><td>8<\/td><td>\u00a386,059.47<\/td><td>\u00a33,399.97<\/td><td>\u00a32,329.07<\/td><td>\u00a383,730.48<\/td><\/tr><tr><td>9<\/td><td>\u00a383,730.48<\/td><td>\u00a33,305.09<\/td><td>\u00a32,423.95<\/td><td>\u00a381,306.59<\/td><\/tr><tr><td>10<\/td><td>\u00a381,306.59<\/td><td>\u00a33,206.35<\/td><td>\u00a32,522.69<\/td><td>\u00a378,783.96<\/td><\/tr><tr><td>11<\/td><td>\u00a378,783.96<\/td><td>\u00a33,103.56<\/td><td>\u00a32,625.48<\/td><td>\u00a376,158.55<\/td><\/tr><tr><td>12<\/td><td>\u00a376,158.55<\/td><td>\u00a32,996.62<\/td><td>\u00a32,732.42<\/td><td>\u00a373,426.17<\/td><\/tr><tr><td>13<\/td><td>\u00a373,426.17<\/td><td>\u00a32,885.29<\/td><td>\u00a32,843.75<\/td><td>\u00a370,582.48<\/td><\/tr><tr><td>14<\/td><td>\u00a370,582.48<\/td><td>\u00a32,769.43<\/td><td>\u00a32,959.61<\/td><td>\u00a367,622.93<\/td><\/tr><tr><td>15<\/td><td>\u00a367,622.93<\/td><td>\u00a32,648.85<\/td><td>\u00a33,080.19<\/td><td>\u00a364,542.80<\/td><\/tr><tr><td>16<\/td><td>\u00a364,542.80<\/td><td>\u00a32,523.36<\/td><td>\u00a33,205.68<\/td><td>\u00a361,337.18<\/td><\/tr><tr><td>17<\/td><td>\u00a361,337.18<\/td><td>\u00a32,392.76<\/td><td>\u00a33,336.28<\/td><td>\u00a358,000.96<\/td><\/tr><tr><td>18<\/td><td>\u00a358,000.96<\/td><td>\u00a32,256.84<\/td><td>\u00a33,472.20<\/td><td>\u00a354,528.82<\/td><\/tr><tr><td>19<\/td><td>\u00a354,528.82<\/td><td>\u00a32,115.38<\/td><td>\u00a33,613.66<\/td><td>\u00a350,915.22<\/td><\/tr><tr><td>20<\/td><td>\u00a350,915.22<\/td><td>\u00a31,968.16<\/td><td>\u00a33,760.88<\/td><td>\u00a347,154.39<\/td><\/tr><tr><td>21<\/td><td>\u00a347,154.39<\/td><td>\u00a31,814.93<\/td><td>\u00a33,914.11<\/td><td>\u00a343,240.34<\/td><\/tr><tr><td>22<\/td><td>\u00a343,240.34<\/td><td>\u00a31,655.46<\/td><td>\u00a34,073.58<\/td><td>\u00a339,166.83<\/td><\/tr><tr><td>23<\/td><td>\u00a339,166.83<\/td><td>\u00a31,489.52<\/td><td>\u00a34,239.52<\/td><td>\u00a334,927.36<\/td><\/tr><tr><td>24<\/td><td>\u00a334,927.36<\/td><td>\u00a31,316.79<\/td><td>\u00a34,412.25<\/td><td>\u00a330,515.16<\/td><\/tr><tr><td>25<\/td><td>\u00a330,515.16<\/td><td>\u00a31,137.01<\/td><td>\u00a34,592.03<\/td><td>\u00a325,923.21<\/td><\/tr><tr><td>26<\/td><td>\u00a325,923.21<\/td><td>\u00a3949.95<\/td><td>\u00a34,779.09<\/td><td>\u00a321,144.17<\/td><\/tr><tr><td>27<\/td><td>\u00a321,144.17<\/td><td>\u00a3755.23<\/td><td>\u00a34,973.81<\/td><td>\u00a316,170.42<\/td><\/tr><tr><td>28<\/td><td>\u00a316,170.42<\/td><td>\u00a3552.61<\/td><td>\u00a35,176.43<\/td><td>\u00a310,994.04<\/td><\/tr><tr><td>29<\/td><td>\u00a310,994.04<\/td><td>\u00a3341.70<\/td><td>\u00a35,387.34<\/td><td>\u00a35,606.76<\/td><\/tr><tr><td>30<\/td><td>\u00a35,606.76<\/td><td>\u00a3122.23<\/td><td>\u00a35,606.81<\/td><td>\u00a30.00<\/td><\/tr><\/tbody><\/table><\/div><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><strong>Representative example <\/strong><br>A mortgage of \u00a3225,134 payable over 24 years, initially on a fixed rate until 30\/09\/26 at 4.88% and then on a variable rate of 6.99% for the remaining 22 years would require 26 payments of \u00a31328.29 followed by 262 payments of \u00a31,593.54. The total amount payable would be \u00a3453,042 made up of the loan amount plus interest (\u00a3226,909) and fees (\u00a3999). The overall cost for comparison is 6.8% APRC representative.<\/div><\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>A breakdown of what you might pay monthly over the life of a \u00a3100,000 mortgage.<\/p>\n","protected":false},"author":645,"featured_media":187926,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"nicheCode":"","productId":"","enableOptimizely":false,"_persistent_nav_menu_items":null,"blockTemplateId":"","_post_hreflang":"","related_url":"\/100000-mortgage","workflow-intro":"","workflow-faq":"","workflow-conclusion":"","workflow-benefits":"","workflow-overview":"","workflow-test":"","footnotes":""},"categories":[1023],"tags":[],"asset_tag":[],"class_list":["post-187893","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgages"],"apple_news_notices":[],"yoast_head":"<!-- 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