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             Mortgage Manager v1.1
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Programmed by Andrew Duke (ajduke@ajdcomp.demon.co.uk)
Written in Borland Delphi.

Visit the Mortgage Manager web pages at:
 http://www.ajdcomp.demon.co.uk/mortgage-manager/


Description:
============
Mortgage Manager calculates the cost of a mortgage and allows
you to compare the effect of different interest rates and
overpayments. It is designed for the UK market, but may work 
for other country's mortgage systems.

Use Mortgage Manager to create an icon for each mortgage you are 
evaluating, then enter values such as the mortgage amount,
fixed/discounted/capped/cashback rates and the interest calculation 
period as well as one-off administration costs. Payment details are 
then calculated with a month-by-month break-down of the payments and 
the running total. You can modify the interest rate and add over-payments 
to see their effect on the costs. Different mortgages can then be
compared to see which is cheapest over various periods of time.
But why do you need it? Because it's not possible to know which is 
best without calculating payments. Try this: Which is cheaper? 
(1) A 3 year fixed rate of 5.1% with a setup fee of 100 and then a 
variable rate of 6.5%, or (2) A 5 year fixed rate of 5.5% with a setup 
fee of 300 and then a variable rate of 6.5%? If you don't know, then 
you need Mortgage Manager to save you money.


Compatability:
==============
Mortgage Manager is a 32-bit Windows 95 / 98 / NT 4.0
executable.


Installing Mortgage Manager:
============================
Unzip the the mortgage.zip file into a temporary directory and
run setup.exe. If you use WinZip open the zip file click on the
Install button.

To uninstall Mortgage Manager use the Add/Remove Programs item
in control panel.


Status:
=======
Mortgage Manager is NOT free, it is a SHAREWARE DEMO program. 
Shareware means that you may download and freely distribute
the unregistered version, which may be used and evaluated
for a period of 30 days.  After such time the program must
be registered or deleted from your computer.  Shareware is
a distribution method, not a type of software.  Shareware
has the ultimate money-back guarantee -- if you don't use
the product, you don't pay for it.  The shareware system
and the continued availability of quality shareware products
depend on your willingness to register and pay for the
shareware you use. It's the registration fees you pay which
allow authors to support and continue to develop quality
products. Please show your support for shareware by
registering those programs you actually use.

Distribute the complete zip file freely, keep all files
together.

Registration costs 20 UK Pounds or 35 US Dollars for a single-user 
private/home use license, it costs 80 UK Pounds or 140 US Dollars 
for a single-user professional/company license. You can register 
with your credit card through a secure web page or by 
cheque. Details can be found in the help file and on the web page.


Version History:
================
5th April 1999: version 1.0

28th July 1999: version 1.1
 - Improved Stability
 - Minor enhancements
 - Minor bug fixes


Disclaimer:
===========
Disclaimer: Mortgage Manager should not be used for the basis of
any decisions, do not rely on the figures and results it
produces they may contain errors. Always seek professional
financial advise when choosing a mortgage. No liability can be
accepted for any loses that result from the use of Mortgage
Manager.
