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Explanations, guides and things worth knowing — some next to a calculator, some standing entirely on their own.
What a rate change does to your mortgage payment
Central banks move rates in quarter points, and lenders pass them on in steps that look small on paper. Here is what each step is actually worth on a monthly payment, and why two borrowers with the same mortgage feel the...
12 September 2026 · Michael Johnson
How much can I borrow, and what does a lender actually count?
The number a lender will give you is not your salary times four. It is a payment they think you can still afford if rate...
12 September 2026 · Michael Johnson
Fixed or variable: how to choose the way your rate is set
The choice is not a forecast about rates. It is a question about how much a known payment is worth to your household, an...
12 September 2026 · Michael JohnsonBrowse by category
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Some explain a question behind a calculator: which number belongs where, which rule applies to you, what the answer means. Others stand on their own and have nothing to do with a calculator. Either way, the arithmetic itself stays on the calculator pages — an article only ever explains, it never computes.
What a rate change does to your mortgage payment
Central banks move rates in quarter points, and lenders pass them on in steps that look small on paper. Here i...
How much can I borrow, and what does a lender actually count?
The number a lender will give you is not your salary times four. It is a payment they think you can still affo...
Fixed or variable: how to choose the way your rate is set
The choice is not a forecast about rates. It is a question about how much a known payment is worth to your hou...
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