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payment calculator can help you to get a rough idea of how much your monthly
payment could be if you decided to take a new repayment mortgage with a
different interest rate, or if you wanted to adjust the length of your term.
considering that reducing your term will increase your monthly payments, but it
will mean you may have less interest to pay.
Whereas, extending your term will make your payments smaller, but the
overall amount of interest you’ll have to repay will increase.