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hello everyone and welcome to this video well show you how to create a variable mortgage repayment calculator like this one here a variable mortgage repayment calculator allows you to account for changes in mortgage rates throughout the mortgage term this is more realistic than the fixed mortgage repayment calculator where we assume that the mortgage rate remains the same throughout the term we will start by filling out our mortgage inputs including what the different mortgage rates will be and when they will change based on these inputs we want to determine what the outputs will be to do this we will build an amortization table which calculates our payments every month lets start by adding our mortgage inputs were going to assume that our mortgage amount is 200 000 pounds and that the term of the mortgage is 30 years next lets consider our mortgage rates lets say that our initial mortgage rate from month zero onwards is three percent after three years or 36 months we will assume
