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  • Cheers. I've tried with this one and am getting a rough sense. Hadn't considered the bearing of interest rate, so will need to see what sort of low fixed rate offers are available.

    https://www.nationwide.co.uk/products/mortgages/our-mortgages/mortgage-calculators/mortgage-payments

    Edit: Seems as though my current lender's terms are up to 35 years, so I can use the calculator to figure out my rate tolerance.

    Might be better off just absorbing the repayment penalty and getting a brand new mortgage at the best available terms that also includes the additional borrowing I want. Is that a thing? As in, can I negotiate a cash amount to be provided on taking out the mortgage?

  • Edit: Seems as though my current lender's terms are up to 35 years, so I can use the calculator to figure out my rate tolerance.

    How old are you? This will determine how long they will give you.

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