Afterhour Labs

Five years ago I signed the biggest financial commitment of my life and was too embarrassed to admit I didn't understand it. I nodded along in the meeting. I told people I "knew what I was doing." Really, I just knew the monthly number and I was scared to ask what happened to that number if rates went up, because asking felt like admitting I'd made a mistake I couldn't afford to have made.

Then one night I actually sat down with a notebook and worked through the maths myself. I understood so much more than I expected to and that's when it hit me: if I was struggling with this, there had to be a lot of people going through the exact same thing, quietly, without telling anyone either.

So I built something. At first just for myself, but with the thought that it might help others too something that shows you what's actually principal, what's interest, what an overpayment really does, what a rate rise really costs, without having to say any of that out loud to a bank, a broker, or anyone else.

It's called Mortgage Insights. Everything stays on your phone no account, no one on the other end. The basics are free, permanently, because I don't think understanding your own mortgage should cost anything.