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Exnet · Mortgage Health Check
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✦ Free · No signup · 2 minutes

How much is your
mortgage really costing you?

See your true interest cost, how much faster overpayments clear it, and whether your money works harder in your pension or your mortgage — in 2 minutes.

Overpayment modeller
Pension vs mortgage
Remortgage timing
Lender-specific rules

Takes 2 minutes · No personal data stored

Step 1 of 2 — Your mortgages

Your
mortgages

Add each mortgage you hold — main residence, buy-to-let, a second home. We apply lender-specific rules to each one.

Add a mortgage
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Import your documents (optional)
Upload your statement and/or offer — we read both and merge them (current balance & term from the statement, product end date from the offer). You confirm everything below.
or enter manually
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or choose from the full list
Step 2 of 2 — About you

A few details
about you

Used to compare pension vs overpayment and check your mortgage against your retirement plans.

Where are you with retirement?
Years away
10+ years out
Approaching
Within 10 years
In retirement
Already retired
Drives your tax band for the pension-vs-overpayment comparison.
£
Disposable surplus you could direct.
£
For tax-free-cash options. Optional.
£
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Not sure of your pot — or your fees?
Run a full pension pot & fee analysis. We'll bring the figure back here automatically.
We use a 5% growth assumption for pension projections — the standard UK regulatory illustration rate.
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Your mortgage health check
Where should your spare cash go?
How your lender handles overpayments
Model your options
Move the sliders to see exactly how overpayments, pension contributions, retirement timing and remortgaging change the numbers — live.
Worth understanding
Topics worth understanding
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About this tool
This Health Check helps you understand your situation and the options people in similar positions tend to weigh — it does not tell you what you should do, and it is not financial advice or a personal recommendation. Any figures shown are based only on what you entered and are for illustration. For a recommendation tailored to your circumstances, speak to a regulated adviser.
Free, impartial guidance at MoneyHelper ↗
What-if modeller
Model your options
Tick any combination of levers and see the combined impact. Everything updates as you move the sliders.
Generates a plan code and your adviser hand-off options
Your plan code
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Your plan is ready
This analysis is guidance, not a personal recommendation. A regulated adviser reviews and signs off before anything is acted on.
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Send to my adviser
Hand the full analysis and audit trail to your IFA for sign-off and execution.
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Connect to a mortgage broker
For remortgage execution via your adviser's broker partner. Exnet doesn't execute mortgages.
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Keep going with your plan
Tax agent
Check your tax optimisation
Find the most tax-efficient way to use your allowances and reliefs across the year — runs the Exnet Tax agent on this plan.
Open tax check →
Pension agent
Check your pension optimisation
See whether your pots are in the right funds at the right fees, and whether consolidating lifts your outcome — runs the Exnet Pension agent.
Open pension check →
Retirement agent
Check your retirement plan
Model your retirement income, spending, longevity and tax together, and see how the mortgage fits — runs the Exnet Retirement agent.
Open retirement check →
Your plan
Back to your mortgage plan
Return to your results and keep modelling — adjust overpayments, timing and the levers, and watch the numbers update.
Exnet provides cross-domain guidance under the FCA Targeted Support framework. Execution is carried out by authorised advisers and brokers.
Pension pot & fee
Add your pensions
Start typing a provider to pick it (we'll fill the typical fee), or upload a statement and we'll read it. A best estimate for the value is fine.
ProviderValue (£)Fee (%)
£0
Total pot
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Weighted fee
0
Pensions
Want full fee benchmarking, lifetime drag & a retirement income projection? Open the Pension Health Check →
Tracker · Live
Mortgage Progress
Track your mortgage plan from summary to adviser review to completion.
Current status
Just now
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Adviser
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Plan
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Next step
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Timeline
Adviser portal link
This link (also emailed to your adviser) opens the read-only portal for this case.
Exnet routes your mortgage summary to a regulated adviser for sign-off — guidance, not instant advice. Execution is carried out by authorised advisers and brokers.