I nodded along when I signed my mortgage. I had no idea what I'd actually agreed to.

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.

If any part of this sounds familiar — you're not the only one who nodded along too.

If it could help you even for a smallest thing, I would feel blessed.