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 Post subject: Writing a mortgage calculator 2
PostPosted: Fri Nov 19, 2010 6:48 am 
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Back Home with Mammy

Joined: Mar 31, 2009
Posts: 51
So for anyone who read this thread, I wrote a mortgage calculator as my first web development project a while ago (it's not online any longer). I wasn't happy with my efforts that time so I set about rebuilding the whole thing from the ground up. Well, I put the new site online tonight. You can find it here: Mortgage Calculator.

Some of the new stuff:

  1. You can set deferred or interest only mortgage starts, skipped months and lump sum payments. I'll be bringing more features in this vein soon.
  2. Mortgage Interest Relief
  3. Stamp Duty
  4. There's a pure html backbone behind everything so you can visit the site on the crappest of browsers (or your phone for example) and most features will still work.
  5. Better Charts
  6. You can email results
  7. You can generate a "mortgage report card" like this:
    Image
    More details at our Mortgage Calculator


    The idea being that you can easily link to one on a forum when people ask questions such as "how much will my payments be if xyz?".
  8. Plain english and concise results

As before, I'd love to hear advice, criticism, suggestions etc. I'm not even close to finished with the project and I have a long roadmap planned out in my head for it. It's taken me 4 months to get this far though!

If you like it and you think it might be of use to other people, I'd really, really appreciate some exposure in the usual forums etc. around the place: AAM (Everyones banned... I know! :D ), Daft, boards.ie etc. (Don't spam them obviously, I just mean maybe reference the calc if your answering a mortgage related question). This would really help the site grow and motivate me to keep improving it.

Looking forward to your comments.


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 Post subject: Re: Writing a mortgage calculator 2
PostPosted: Fri Nov 19, 2010 4:11 pm 
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Speculator

Joined: Jan 20, 2008
Posts: 401
Location: Midlands
Well it's a fairly basic calculator at the moment isn't it. It just tells you what your overall interest repayment is.

I can't see any of the other features you list. Just the plain calculator with 4 fields and the Calculate button....


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 Post subject: Re: Writing a mortgage calculator 2
PostPosted: Fri Nov 19, 2010 4:19 pm 
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Speculator

Joined: Jan 20, 2008
Posts: 401
Location: Midlands
Oh sorry, I see there are other options when you hover over Summary, having done your initial calculation.
You may need to make that more obvious with click buttons for the various options.

Also, why can't I enter more than 50% of purchase price as a deposit?


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 Post subject: Re: Writing a mortgage calculator 2
PostPosted: Fri Nov 19, 2010 4:45 pm 
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Of Systemic Importance

Joined: Jan 10, 2008
Posts: 5365
Location: BubbleBurst Ireland
You mightnt need a mortgage calculator moving forward as cash will be king and banks lending will be like hens teeth. :shock:

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 Post subject: Re: Writing a mortgage calculator 2
PostPosted: Sat Nov 20, 2010 1:36 am 
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Back Home with Mammy

Joined: Mar 31, 2009
Posts: 51
bookworm wrote:
Oh sorry, I see there are other options when you hover over Summary, having done your initial calculation.
You may need to make that more obvious with click buttons for the various options.

Also, why can't I enter more than 50% of purchase price as a deposit?


You know you're actually the second person that's mentioned to me that they didn't notice the drop down for the other options straight away. It's definitely something I need to make more obvious and possibly change completely.

One of the hardest things to get right is balancing the user interface design so that it's complicated enough to be able to have tons of features and input fields accessible in a small space but also basic enough so that people who only want to use basic features aren't overwhelmed by a myriad of controls.

I'm considering moving towards a "goal centred interface" so that instead having various pages of input fields with arbitrary names like 'basic' or 'extended', I instead ask the user what they want to to eg. "Calculate the effects of a lump sum payment" or "add mortgage interest relief to these results", and then give them the fields they need to accomplish their goals. I think this might simplify things.

About the 50% thing, I just arbitrarily set it to that value a long time ago before I put it online. It seems way too low now that you mention. I'll bump it up to 95% tonight. Should be easily done.


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 Post subject: Re: Writing a mortgage calculator 2
PostPosted: Sat Nov 20, 2010 1:37 am 
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Back Home with Mammy

Joined: Mar 31, 2009
Posts: 51
spqr64 wrote:
You mightnt need a mortgage calculator moving forward as cash will be king and banks lending will be like hens teeth. :shock:


I'm trying to get in at the bottom and catch the next housing bubble :D You know the Irish will never give up on the property market!


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 Post subject: Re: Writing a mortgage calculator 2
PostPosted: Sat Nov 20, 2010 1:39 am 
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Too Big to Fail

Joined: Oct 3, 2008
Posts: 3537
left_blank wrote:
spqr64 wrote:
You mightnt need a mortgage calculator moving forward as cash will be king and banks lending will be like hens teeth. :shock:


I'm trying to get in at the bottom and catch the next housing bubble :D You know the Irish will never give up on the property market!



I thought it was pretty good tbh - I recommended it to friends of mine who also found it great.


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 Post subject: Re: Writing a mortgage calculator 2
PostPosted: Wed Sep 14, 2016 8:37 am 
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Migrant

Joined: Sep 14, 2016
Posts: 1
I never hear about this before.


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