How a Mortgage Calculator Works — The "Term Trap" Explained

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A longer mortgage LOOKS cheaper because the monthly payment is lower — but it can secretly cost you over £100,000 more in interest. This is the "term trap," and here's exactly how mortgage payments really work.

In this video you'll learn:
• How a mortgage calculator turns loan + rate + term into one payment (amortization)
• The term trap: £250k at 5% costs ~£106k interest over 15 years… but ~£233k over 30
• How much house you can afford — the simple 28/36 rule
• Why overpaying early saves years and thousands
• The hidden costs a calculator doesn't show you

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