Your home and mortgage at a glance.
Current home value, mortgage parts with interest rate and term, and how your remaining debt develops over time.
What you can do with it
Home equity and LTV
WOZ value or your own valuation, and the ratio between debt and home value over time. Free.
Risk class and repaymentsPro
When you move into a lower interest rate band and how much you can repay penalty-free this year.
Frequently asked questions
Which home value does Scotis use?
The WOZ value or your own valuation, whichever you enter.
What is LTV?
Loan-to-value: your mortgage debt divided by the value of your home. A lower LTV can mean you fall into a lower interest bracket.
Can I see how much I can repay without penalty?
Yes. Scotis shows how much you can repay penalty-free this year and when you fall into a lower interest bracket. In Pro.
Updated on 7 November 2026.
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Scotis gives information and worked examples using your own numbers, not financial or tax advice.
Try it with the demo first.
Click around with the numbers of a sample household. If you like it, start with your own numbers.
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