This calculator can be used to help you assess whether it is worth switching from one mortgage scheme to another. If you choose to remortgage, your existing lender may charge a redemption fee, there may be a charge from your new lender and you will also have to pay legal and administrative costs. These costs are called the switching costs. To measure whether it is worthwhile remortgaging, the NPV (Net Present Value) of any improved cash flow from the switch is compared with the switch costs.

It is only worthwhile switching from an existing scheme to a new one if the switch costs are low enough. This means that the new scheme must produce enough savings over the expected life of the new mortgage to cover the switching costs. This calculator measures the NPV (Net Present Value) of any improved cash flows resulting from the switch. A switch is only worthwhile if the actual total switch costs work out less than the NPV figure calculated. A negative figure implies that a switch is only worthwhile if there is a cashback of at least that figure paid out from the new scheme.

Please note: This calculator should be used for indicative purposes only and should not be taken as representing advice. Always get a full quotation from your lender or other professional adviser before purchasing a remortgage product.

Work out weekly and monthly totals for any number of people sharing.

Calculate whether you're better off to buy or rent, given a variety of costs, returns and other factors.

Calculate your monthly mortgage repayments over a set term or the whole life of a mortgage.

Get a tabular or visual idea of what your payments will be like during the term of your repayment mortgage.

The APR for a mortgage rate might be quoted, but you can still compare 2 schemes using this calculator.

Even if a remortgage offers a cheaper deal, switching costs such as early redemption penalties can make it a financially unwise move.

Examine the Return On Investment generated by rental property and the effect that mortgage borrowing has on the returns enjoyed.

While attractions across much of the Czech Republic are closed or keep limited hours outside the summer season, Prague caters for visitors all year round. Periods when the tourist crush is especially oppressive include the Easter and Christmas/New Year holidays, as well as May and June. Many Czechs go on holiday in July and August, during which time the supply of bottom-end accommodation actually increases, as student hostels are opened to visitors.

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The Czech Republic’s capital and international showpiece, Prague is one of the most popular destinations in Eastern Europe. Its attraction lies in the physical beauty of the city with 600 years of architecture amazingly untouched by war. Its compact medieval centre remains an evocative maze of cobbled lanes, ancient courtyards, dark passages and churches beyond number, all watched over by an 1100-year-old castle. Kidnapped by communism for 40 years, Prague has become one of Europe's most popular tourist destinations.

2 Bedroom Apartment. Sandling Park has excellent road and rail links with the M20 less than a mile away (which connnects to the M26/M25) providing good access to both Gatwick and Heathrow airports. The channel tunnel is easily accessible from the M20 at Junction 11.

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