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hi I know many of you will still have mortgages uh and you may be worried about the increases in mortgages mortgage rates that weve seen over the last few months Im recording this in October 2022 so I want to give you maybe a tool that you can maybe help work out what future mortgages payments are also what changes in mortgages would be over a period of time so Ive got a spreadsheet for you which is a called a loan repayment schedule through it so here we have heres the loan repayment schedule so Ive got a loan amount of 300 000 pounds an interest rate of 2.67 so kind of quite typical on what people have been able to uh get in the last few years borrowed over 25 years um I put down this mortgage lender the borrower sorry the borrower has borrowed the money in October 2020 a couple of years ago and their regular schedule is 1 371 pounds and the total interest if they keep paying that 2.67 interest rate the total interest is 111 000 pounds 503 111 um 111 000 by 503 so what would cha