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Loan-to-Value Calculator

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function calculateLTV() { const value = parseFloat(document.getElementById('ltvValue')?.value); const mortgage = parseFloat(document.getElementById('ltvMortgage')?.value); if (!value || !mortgage || value <= 0 || mortgage <= 0 || mortgage > value) { alert("Please enter valid values. Mortgage must be less than property value."); return; } const ratio = (mortgage / value) * 100; const equity = value - mortgage; document.getElementById('ltvRatio').innerText = 'Loan-to-Value Ratio: ' + ratio.toFixed(2) + '%'; document.getElementById('ltvEquity').innerText = 'Home Equity: €' + equity.toLocaleString(); document.getElementById('ltvFormMessage').value = `Your LTV Calculation:\n\nEstimated Property Value: €${value.toLocaleString()}\nRemaining Mortgage: €${mortgage.toLocaleString()}\n\nLoan-to-Value Ratio: ${ratio.toFixed(2)}%\nHome Equity: €${equity.toLocaleString()}`; document.getElementById('ltvResults').style.display = 'block'; } document.getElementById('toggleLTVForm').addEventListener('click', function () { document.getElementById('ltvFormContainer').style.display = 'block'; }); document.getElementById('ltvForm').addEventListener('submit', function (e) { e.preventDefault(); const formData = new FormData(this); fetch('https://formspree.io/f/mgvapjlw', { method: 'POST', body: formData, headers: { 'Accept': 'application/json' } }).then(response => { if (response.ok) { document.getElementById('ltvFormContainer').innerHTML = '

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'; } else { alert('Something went wrong. Please try again.'); } }); });

Overpaying

How Much Could You Save by Overpaying?

Time Saved:

Interest Saved:
€

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function calculateOverpayment() { const balance = parseFloat(document.getElementById('balance')?.value); const rate = parseFloat(document.getElementById('rate')?.value) / 100 / 12; const term = parseInt(document.getElementById('term')?.value); const overpay = parseFloat(document.getElementById('overpay')?.value); const months = term * 12; const x = Math.pow(1 + rate, months); const monthly = (balance * x * rate) / (x - 1); const newMonthly = monthly + overpay; let currentBalance = balance; let monthsSaved = 0; let interestSaved = 0; for (let i = 0; i < months; i++) { const interest = currentBalance * rate; const principal = newMonthly - interest; currentBalance -= principal; interestSaved += interest; if (currentBalance <= 0) { monthsSaved = months - (i + 1); break; } } const savedTime = `${Math.floor(monthsSaved / 12)} years and ${monthsSaved % 12} months`; const savedMoney = interestSaved.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 }); document.getElementById('timeSaved').innerText = savedTime; document.getElementById('interestSaved').innerText = savedMoney; document.getElementById('resultMessage').innerText = monthsSaved > 12 ? "Overpaying significantly reduces your mortgage term and interest." : "Even small overpayments can help you save over time."; document.getElementById('formMessage').value = `Your Mortgage Overpayment Results:\n\n` + `Time Saved: ${savedTime}\nInterest Saved: €${savedMoney}\nBalance: €${balance.toLocaleString()}\nRate: ${(rate * 12 * 100).toFixed(2)}%\nTerm: ${term} yrs\nOverpayment: €${overpay.toLocaleString()}`; document.getElementById('resultsBox').style.display = 'block'; } document.getElementById('resultsForm').addEventListener('submit', function (e) { e.preventDefault(); const formData = new FormData(this); fetch('https://formspree.io/f/mgvapjlw', { method: 'POST', body: formData, headers: { 'Accept': 'application/json' } }).then(response => { if (response.ok) { document.getElementById('formContainer').innerHTML = '

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'; } else { alert('Something went wrong. Please try again.'); } }); });

Savings Goal

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