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Explanations of the money questions behind the calculators: what a rate change is worth, what a lender counts, and what a choice actually costs.
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 JohnsonHow 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 JohnsonFixed 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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An article explains what a calculator cannot: which number belongs in which box, which rule applies to you, and what the answer means once you have it. The arithmetic stays on the calculator pages, and every article links to the ones it relies on.
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...
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...
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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