MortWise: AI-assisted mortgage analyst buyers, investors, 52 markets

Most online mortgage tools give you a monthly number and stop. Coming from M&A and structured finance, that always felt absurd to me — a mortgage is a 30-year asset, you should see the cashflow, the rate-sensitivity, the country tax leakage, the IRR. MortWise is the AI-assisted mortgage analyst I wish I'd had: paste in your numbers and instantly get the full payment split, stress-test it against +1/+2/+3% rate rises, model overpayments, and compare deals side-by-side across 52 housing markets — each with the right stamp duty, first-home scheme (Help to Buy, FHSA, KfW…), and lender rules. The buy-to-let view adds IRR, cash yield, and FX-stress for foreign-currency mortgages, so it doubles as an investment screen. AI helps generate market rate cards and an Ask-MortWise chat answers natural-language questions about your numbers. Free forever. Full tier is €3.99/mo if you want the sensitivity sliders, BTL/foreign-FX analysis, and full PDF export. Would love your feedback — especially which market's rules you want me to refine next.