Mixed mortgage
- Current instalment: 0.00
- Total interest: 0.00
- Total paid: 0.00
Mixed mortgage calculator
🏠 Model a mixed mortgage: fixed period then variable rate with resets. Payments, total interest, and full amortization schedule.
Mixed mortgage calculator
This mixed mortgage calculator lets you estimate the monthly instalment for a loan that combines a fixed-rate stretch and a variable-rate stretch.
Enter the amount, term and rates to obtain a tailored mixed mortgage simulator, compare scenarios and understand how each review affects the payment.
Current instalment
0.00
Mixed mortgage summary
Fixed-phase instalment
0.00
First variable instalment
0.00
Estimated APR
0.00%
Total interest (baseline)
0.00
Comparison with full fixed and full variable
Pure fixed-rate
- Constant instalment: 0.00
- Total interest: 0.00
- Total paid: 0.00
Pure variable-rate
- Initial instalment: 0.00
- Total interest: 0.00
- Total paid: 0.00
Index sensitivity
| Scenario | First variable instalment | Total interest |
|---|---|---|
| Run a calculation to see the impact of ±1 point on the index. | ||
What is a mixed mortgage?
A mixed mortgage combines a first phase with a fixed nominal rate and stable instalments with a second phase linked to an index such as the 12-month Euribor plus a spread. You lock in your payment for the initial years and then assume the ups and downs of the market.
- Compared with a pure fixed mortgage, the introductory rate is usually lower.
- Compared with a pure variable mortgage, you gain protection against rate hikes while the fixed stretch lasts.
- It is common among borrowers who expect to sell the property or make extra payments before the fixed phase ends, or who simply want a few years of stability.
How to use the mixed mortgage simulator
Follow these steps to make the most of this online mixed mortgage simulator and calculate instalments and interest:
- Enter the outstanding balance (or the amount you plan to borrow) and set the total term in years or months.
- Choose the length of the fixed phase and the nominal fixed rate (TIN) offered by your lender.
- Add the reference index you expect, the spread and how often the variable rate is reviewed.
- Optionally, set a floor or cap to see how they influence the variable instalment.
- Click “Calculate mixed mortgage payment” to display the results and use the built-in comparison.
How to interpret the results
The mixed mortgage payment simulator highlights the fixed-phase instalment, the first instalment once the rate becomes variable, the estimated APR and the total interest. The comparison block lets you check how much you would pay with a pure fixed or variable mortgage, and the sensitivity table summarises the impact of moving the index ±1 point.
Compare scenarios with this calculator
Use this mixed mortgage calculator to contrast it with other options: tweak the term, adjust the spread or simulate extra repayments to see how the instalment and total cost change. That way you can decide whether to extend the fixed stretch, repay principal ahead of time or switch products when the initial phase ends.
Mixed mortgage FAQs
What are the advantages of a mixed mortgage?
You get a lower initial rate than in a full fixed mortgage plus several years of stable instalments before moving to a variable rate. This balance between certainty and flexibility suits borrowers who want protection today without giving up future savings.
How do you calculate a mixed mortgage instalment?
The calculator applies the French amortisation formula during the fixed phase and recalculates the payment at every review using the index plus spread that you enter. Floors and caps are respected if you include them.
What happens when the fixed phase ends?
Once the fixed term is over, the simulator updates the instalment with the variable rate you configured, showing whether it rises or falls. You can preview the effect of future reviews by editing the index value.
Can I use this tool to review an existing mixed mortgage?
Yes. Enter your outstanding balance and the new rates to recalculate the mixed mortgage instalment after a review or to check the impact of an early repayment.
How often is the variable rate reviewed?
The most common frequencies are annual or semi-annual, but you can select the exact number of months in the simulator to mirror your contract conditions.
