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That sounds way too complicated. Just borrow what the bank will lend buy something for 50% of that and then spend the rest on upgrading your kitchen so everything is wifi-controlled.
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Everyone just borrows as much as humanly possible and (should) invest the spare cash any way how. Investments should return 5% + annually, mortgage will cost significantly less than that for the foreseeable future.
tl;dr you don't need a spreadsheet
hippy
Howard
@skinny
Before I build my own, has anyone seen or got a good tool for mortgage calculation based on cost, tax reductions, repayment, initial input, offset by interest on earnings etc.