Updated for 2026 Tax Year

Mortgage Payoff vs Invest vs Leverage Calculator

Compare three wealth strategies with compact, side-by-side outputs: pay down mortgage, invest in stocks, or release equity and buy another property.

Saved scenarios

Adjust inputs, then save as a named scenario.

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Current Home Value (£)

Current Mortgage Balance (£)

Mortgage Rate (%)

Mortgage Remaining Term (years)

Available Cash (£)

Comparison Horizon (years)

Current Home Total Growth over 0y (%)

Expected Stock Return (annual %)

Desired Equity Release (£)

Target LTV after Release (%)

Additional Property Price (£)

Additional Property LTV (%)

Additional Property Mortgage Rate (%)

Additional Property Mortgage Term (years)

Additional Property Gross Yield (%)

Additional Property Operating Costs (% of rent)

Additional Property Total Growth over 0y (%)

Additional Property Purchase Costs (% of price)

Decision Summary

Best Strategy

Pay Off Mortgage

Best Projected Net Worth (0y)

£0

Pay Off Mortgage

£0

Invest in Stocks

£0

Leverage into Property

£0

Strategy	Projected Net Worth	vs Invest Baseline	Total Debt Remaining
Pay Off Mortgage	£0	+£0	£0
Invest in Stocks	£0	+£0	£0
Release Equity + Buy Property	£0	+£0	£0

Metric	Pay Off	Invest	Leverage
Current Home Equity (0y)	£0	£0	£0
Additional Property Equity (0y)	£0	£0	£0
Investment Value (0y)	£0	£0	£0
Annual Strategy Cashflow	£0	£0	£0
Cash Shortfall (if any)	£0	£0	£0

Reference

Guidance & FAQ

This tool applies scenario-specific financial formulas to generate results.
Outputs are standardized into monthly and annual evidence for comparability.
Risk and tax assumptions are stress-tested for 2026 planning accuracy.

Last Updated: 16 Apr 2026

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Links & Resources

GOV.UK: Property taxes and buying guidance GOV.UK: SDLT and property tax guidance

Important disclaimer

Content on this site is for educational and planning purposes only and does not constitute regulated financial advice. Always assess your own circumstances and seek guidance from a qualified adviser where appropriate. See the full disclaimer.

Project Cashflow

Mortgage Payoff vs Invest vs Leverage Calculator

Core Inputs

Growth & Market Assumptions

Leverage Strategy Assumptions

Decision Summary

Strategy Comparison Table

Compact Breakdown

Guidance & FAQ

Links & Resources