📊 HOME MORTGAGE CALCULATOR — INCLUDES CHART Excel Template ⭐⭐⭐⭐⭐

📝 Overview:
This Home Mortgage Calculator is a scenario-based Excel tool for modelling fixed or variable-rate mortgages. It includes amortisation logic, extra payment options, and tax deduction tracking—ideal for homebuyers, mortgage consultants, and financial advisors comparing repayment strategies.

✔️ What’s Included:
• 1 x Excel spreadsheet (.xlsx)
• Fixed and variable rate logic with interest caps and adjustment intervals
• Amortisation schedule with extra payments and balance tracking
• Tax deduction modelling based on interest paid and bracket
• Summary section with total interest, payments, and payoff timeline

🎯 Perfect For:
• Homebuyers comparing mortgage options
• Mortgage brokers and financial advisors
• Real estate consultants modelling repayment scenarios
• Educators teaching amortisation and loan structures

⚙️ Features:
• Calculates monthly payments, interest, and balance over time
• Supports extra payments and early payoff modelling
• Includes tax deduction logic and effective rate calculation
• Excel-native formatting—no macros or plugins required
• Reusable across loan types and housing markets

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