Remaining balance over time
Yearly combined schedule
| Year | Capital paid | Interest paid | Remaining balance | Remaining balance |
|---|
Yearly schedule for mortgage 2
| Year | Capital paid | Interest paid | Remaining balance | Remaining balance |
|---|
What this part and part mortgage calculator does
This page models two mortgage parts together and shows one combined result set. Enter values for Mortgage 1 and Mortgage 2, then review one merged output for monthly repayment, total paid, total interest, chart trend, and yearly schedule.
Use this when a property loan is split into two mortgage segments but you want to understand full combined cost in one place.
How combined totals are calculated
Each mortgage part is calculated independently using the same deterministic mortgage engine. The page then combines both parts into one merged monthly timeline.
- Combined monthly repayment = Mortgage 1 monthly repayment + Mortgage 2 monthly repayment
- Combined total paid = Total paid across both mortgage parts
- Combined total interest = Total interest across both mortgage parts
- Combined chart and yearly schedule are generated from the merged balance and payment timeline
Assumptions and limitations
Results use a fixed-rate, deterministic model for each mortgage part. Lender-specific fees, penalties, taxes, and insurance are not included unless manually modelled.
Actual mortgage outcomes can vary based on lender products, rate changes, and legal terms.
Frequently asked questions
Does this show combined repayment for both mortgage parts?
Yes. The main headline repayment and totals are combined values from Mortgage 1 and Mortgage 2.
Are charts and yearly schedule combined too?
Yes. The chart and yearly schedule are rendered from combined totals rather than side-by-side comparison cards.
Can Mortgage 1 and Mortgage 2 use different terms or rates?
Yes. Each part can use different amount, term, rate, and mortgage type. The result cards then show merged totals.