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<o:idmap v:ext="edit" data="1"/> </o:shapelayout></xml><![endif]--> </head> <body bgcolor=silver lang=EN-GB link=blue vlink=purple style='tab-interval: 36.0pt'> <div class=WordSection1> <p style='text-align:justify'><b><span style='font-size:13.5pt;font-family: "Verdana","sans-serif";mso-bidi-font-family:Verdana'>Spreadsheet Summary </span></b></p> <p style='text-align:justify'><b><span style='font-family:"Verdana","sans-serif"; mso-bidi-font-family:Verdana;color:red'>Note: only Excel spreadsheets are now available.</span></b></p> <p><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>You can download each spreadsheet individually and run it by selecting from the list below. The file sizes range from 25k to 232k so the download time should be minimal. Alternatively, you can download the whole set as a <a href="http://www.mortgagesexposed.com/Downloads/Mortgages%20Exposed%20Excel%20Spreadsheets.exe"><b>self-extracting file</b></a> (973k) or a <a href="http://www.mortgagesexposed.com/Downloads/Mortgages%20Exposed%20Excel%20Spreadsheets.zip"><b>normal zip file</b></a> (862k). <o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"; color:red'>Spreadsheets to calculate residential mortgage and loan figures:-<u1:p></u1:p></span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Buy%20or%20Rent.xlsx">Buy or <span class=GramE>Rent</span></a></span></b><span style='font-size:10.0pt; font-family:"Verdana","sans-serif"'><br> (60k) <span style='color:red'>UPDATED APRIL 2012.</span><br> Choose first whether to buy or rent a house by entering your own ideas of the future. An immediate graph indicates when the optimum breakeven point occurs in terms of how long you stay in the property.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Mortgage%20Scheme%20Select%20Wizard.xls">Mortgage Scheme Select Wizard</a> <span style='color:red'>See also on-line <span class=GramE>tools</span></span><br> </span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>(54k) Answer three simple questions to see which type of mortgage scheme suits you, and an explanation of each scheme.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Mortgage.xls"><span class=GramE>Mortgage</span></a></span></b><span style='font-size:10.0pt; font-family:"Verdana","sans-serif"'><br> (25k) A simple spreadsheet to illustrate the use of formulae in basic mortgage calculations using terms in years.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Loan.xls"><span class=GramE>Loan</span></a></span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><br> (25k) A simple spreadsheet to illustrate the use of formulae in basic loan calculations using terms in months.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Mortgage%20Affordability.xls">Mortgage <span class=GramE>Affordability</span></a></span></b><span style='font-size: 10.0pt;font-family:"Verdana","sans-serif"'><br> (19k) A simple spreadsheet to calculate the mortgage advance to match what you can afford each month and an indication of the income you need. <o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Loan%20Comparator.xls">Loan <span class=GramE>Comparator</span></a></span></b><span style='font-size:10.0pt; font-family:"Verdana","sans-serif"'><br> (117k) Use this to accurately compare any two mortgage or loan products using the IRR (Internal Rate of Return) method. Calculates APR as well and supports up to two interest rate changes, illustrating the monthly payments. <span class=GramE>Probably the most useful spreadsheet of all for serious mortgage seekers.</span> Also calculates  cash now equivalent to compare the best buy. <o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Mortgage%20Illustration%20&amp;%20Comparator.xls">Mortgage Illustration and Comparator</a> <span style='color:red'>See also on-line <span class=GramE>tools</span></span><br> </span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>(181k) Ideal for calculating and illustrating the key variables of a mortgage, including a payment schedule over the life of the loan, and a comparison tool.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Remortgage%20Check.xls">Remortgage Check</a> <span style='color:red'>See also on-line <span class=GramE>tools</span></span><br> </span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>(45k) Determine whether it is worthwhile switching to another mortgage scheme by calculating the potential savings as a lump sum  Present Value .<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"; color:red'>Spreadsheets to calculate more complex mortgage figures:-<u1:p></u1:p></span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Current%20Account%20Mortgage.xlsx">Current Account <span class=GramE>Mortgage</span></a></span></b><span style='font-size: 10.0pt;font-family:"Verdana","sans-serif"'><br> (111k) Understand how this very flexible mortgage operates in detail.&nbsp; Choose any monthly payment, credit or debit and graph the results. Similar to Open Plan mortgages.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Flexible%20Mortgages.xls">Flexible <span class=GramE>Mortgage</span></a></span></b><span style='font-size:10.0pt; font-family:"Verdana","sans-serif"'><br> (65k) Enter your own mortgage payment schedule and future interest rates: see some examples of how to use a flexible mortgage.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Investment%20and%20Mortgage%20Calculator.xls">Investment Calculator for interest-only <span class=GramE>Mortgage</span></a></span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><br> (38k) Illustrating the effect of using a savings scheme alongside an interest-only mortgage, and calculating the optimum savings rate from a given performance estimate: includes two examples.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"; color:red'>Spreadsheets to illustrate house prices:-<u1:p></u1:p></span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Regional%20Property%20Values.xlsx">Regional Property <span class=GramE>Values</span></a></span></b><span style='font-size: 10.0pt;font-family:"Verdana","sans-serif"'><br> (232k) Using regional indices since 1973, see how house prices have changed region-by-region, and estimate your own property value: updated quarterly and showing the effect of inflation. NEW GRAPH NOV 2011<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/RPI.xls">Retail Prices <span class=GramE>Index</span></a></span></b><span style='font-size:10.0pt; font-family:"Verdana","sans-serif"'><br> (54k) Using Retail Prices Indices since 1915, see how inflation has affected prices.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"; color:red'>Spreadsheets for property investments:-<u1:p></u1:p></span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Investment%20Property%20Returns.xlsx">Investment Property Returns</a> <span style='color:red'>See also on-line <span class=GramE>tools</span></span><br> </span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>(45k) A very useful spreadsheet for those interested in buy-to-let or commercial property as an investment. Estimate the return on capital for almost any scenario. Determine when it pays to borrow and use gearing to enhance your return. Now includes two sheets with after-tax figures for each year of ten.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Commercial%20Investment%20Property%20Returns.xlsx">Commercial Investment Property <span class=GramE>Returns</span></a></span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><br> (56k) Investment Property Returns (as above) but biased towards commercial property rather than buy-to-let.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Commercial%20Property%20Investment%20IRR%20calculator.xls">Commercial Property Investment IRR <span class=GramE>Calculations</span></a></span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><br> (26k) Enter details for any typical commercial property with quarterly rents and mortgage payments and calculate the IRR over any term assuming any quarterly change to rates or rents.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Property%20Portfolio.xls">Property Portfolio</a></span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><br> (39k) A dynamic example of how to build up a portfolio of 16 commercial properties over twenty years using mortgages and re-invested rental income and, given accurate initial assumptions, immediately calculate the estimated overall outcome. BEWARE CURRENT MARKET RATES MAY DIFFER FROM THOSE ILLUSTRATED<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"; color:red'>Spreadsheets for miscellaneous purposes:-<u1:p></u1:p></span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Monthly%20Mortgage%20Schedule.xls">Monthly Mortgage <span class=GramE>Schedule</span></a></span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><br> (54k) List and graph any monthly mortgage payment schedule against property equity with any interest rate or growth rate in each year: ideal for calculating new payments when changing from interest-only to capital repayment after a period.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Mortgage%20Product%20Design.xls">Mortgage Product <span class=GramE>Design</span></a></span></b><span style='font-size: 10.0pt;font-family:"Verdana","sans-serif"'><br> (77k) Useful for a mortgage broker/agent to design a product to yield the lender's desired return, but choosing various discount schedules and <span class=SpellE>cashbacks</span>. Macros must be enabled.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Mortgage%20&amp;%20Loan%20Product%20Design.xls">Mortgage &amp; Loan Product <span class=GramE>Design</span></a></span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><br> (66k) Useful for a lender to help determine the margin required on any loan product. Then using  Goal Seek macros, it will calculate backwards to determine say the <span class=SpellE>cashback</span> or discount that can be offered to match the required margin. Macros must be enabled.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/APR%20Calculator.xls">APR <span class=GramE>Calculator</span></a></span></b><span style='font-size:10.0pt; font-family:"Verdana","sans-serif"'><br> (89k) A general-purpose APR (Annual Percentage Rate) calculator, illustrating the use of  Goal Seek . With two tabs, it is designed for both long term mortgages and shorter term loans where there may be an interest rate change every year, and some regular or one-off monthly or annual fees or charges. The Macro button automates the process for the mortgage <span class=SpellE>cacluations</span> - Macros must be enabled - not required for the loan calculations.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Project%20IRR.xls">Project <span class=GramE>IRR</span></a></span></b><span style='font-size:10.0pt;font-family: "Verdana","sans-serif"'><br> (36k) Take any project with monthly <span class=SpellE>cashflows</span> and calculate the IRR.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Quarterly%20Mortgage%20Schedule.xlsx">Quarterly Mortgage <span class=GramE>Schedule</span></a></span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><br> (47k) List and graph any quarterly mortgage payment schedule against property equity with any interest rate or growth rate in each year.&nbsp; Useful in planning commercial mortgage payment schedules, particularly for calculating payments when changing from interest-only to capital repayment after a period.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Mortgages%20Exposed%20Part%20I.xls">Mortgage Exposed Part <span class=GramE>I</span></a></span></b><span style='font-size: 10.0pt;font-family:"Verdana","sans-serif"'><br> (153k) A summary of the figures used in the tables in Part I of  Mortgages Exposed in simple, unprotected spreadsheets so that the beginner can get some idea how the sheets are constructed.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"; color:red'>Spreadsheets for classical products:-<u1:p></u1:p></span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Flexible%20Payment%20Mortgage.xls">Flexible Payment <span class=GramE>Mortgage</span></a></span></b><span style='font-size: 10.0pt;font-family:"Verdana","sans-serif"'><br> (60k) The product of the nineteen eighties, which included a low-start option and flexible payments. This sheet is more of historical interest rather than practical value.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Index%20Linked.xls">Index Linked <span class=GramE>Mortgage</span></a></span></b><span style='font-size: 10.0pt;font-family:"Verdana","sans-serif"'><br> (34k) The first residential mortgage linked to inflation. As with the flexible payment mortgage, it is of historical <span class=SpellE>andmathematical</span> interest only.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Reverse%20Mortgages.xls">Reverse Mortgages</a></span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><br> (28k) Illustrating an unusual scheme to compete with home reversions for those over fifty and who are house rich but cash poor.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://www.mortgagesexposed.com/Spreadsheets/Rule%20of%2078.xls">Rule of 78</a></span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><br> (26k) Illustrating how to calculate the early settlement of a loan using this (now little used) method.<o:p></o:p></span></p> <p><b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"; color:black;mso-fareast-language:EN-US'><span style='mso-spacerun:yes'> </span></span></b><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><span style='mso-spacerun:yes'> </span><o:p></o:p></span></p> </div> </body> </html>