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For the first year they made regular, steady payments of $575 to their mortgage (including $42 for PMI), but then Janowiecki came across some mortgage calculators online. Now that he’s passed 20%.

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With 20% or more down. Better Off Refinancing? calculator. A second mortgage or a home-equity line of credit complicates things. If you simply want to refinance the first mortgage, your total.

If you pay less than 20 percent down, you may have to buy mortgage insurance. mortgage insurance protects the bank against loss if you default. Once you pay down the loan below 80 percent of your..

With a little help from Money Saving Expert ‘s handy mortgage calculator, we worked it out based on the £. If you’re both on George Osborne’s national living wage, you’d both need to work 80 hours.

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