UK Mortgage Decision Pack: Worksheets, Checklists & Decision Tools

Making a mortgage decision in 2026? Whether you are remortgaging, buying your first home, or comparing deals, this pack gives you everything you need to go into the process prepared and confident.

What is inside:

✓ Mortgage Route Comparison Worksheet — compare up to 3 deals side by side, including the true total cost after fees (XLSX)

✓ Product Transfer vs Remortgage Calculator — stay with your current lender or switch? See which actually costs less over the deal period (XLSX)

✓ First-Time Buyer Deposit & Costs Planner — deposit, Stamp Duty (England, Scotland, and Wales), solicitor, survey, moving costs — total cash needed in one view (XLSX)

✓ Mortgage Document Checklist — every document lenders require, organised by borrower type: employed, self-employed, first-time buyer, and remortgage (PDF)

✓ Broker Interview Question Sheet — 15 questions to ask before appointing a mortgage broker, plus red flags to watch for (PDF)

✓ Fixed vs Tracker Decision Tree — answer 5 questions and see which mortgage type suits your situation right now (PDF)

✓ 90-Day Remortgage Action Plan — week-by-week timeline from preparation to completion, so nothing falls through the cracks (PDF)

Who is this for?

— Homeowners whose fixed-rate deal is ending in 2026 — First-time buyers working out how much cash they actually need — Anyone comparing mortgage deals and wanting to see the true cost, not just the headline rate — People preparing for a broker meeting and wanting to ask the right questions

This is not financial advice — it is preparation. Use these tools to compare your options clearly, then take them to your broker or lender meeting with confidence.

Instant download. All files are ready to use immediately. Spreadsheets work in Excel, Google Sheets, and Numbers. PDFs are printable.

7-day satisfaction guarantee for accidental duplicate purchases.