# Lightning Home Loans vs Mortgate Planner

The clearest difference is update cadence: Mortgate Planner at every 3 weeks against Lightning Home Loans's every 3 months. Mortgate Planner also leads on device support (3 vs 1) and iOS requirement (15.0 vs 18.0). On price, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Lightning Home Loans ships an update every 3 months, Mortgate Planner every 3 weeks. The most recent releases landed on October 27, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Lightning Home Loans | Mortgate Planner |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/mortgate-planner/id6757183005/reviews)** |
| Number of ratings | — | **1** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | — | Free |
| Size | 102 MB | 38 MB |
| Requires iOS | 18.0 | **15.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Legacy Mortgage](https://appshunter.io/developer/1456165330) | [Luc Pham Van](https://appshunter.io/developer/1544588097) |

## What reviewers say

### Lightning Home Loans

[App page](https://appshunter.io/ios/app/lightning-home-loans/id1626114857)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Mortgate Planner

[App page](https://appshunter.io/ios/app/mortgate-planner/id6757183005)

Manage complex loans with detailed visualizations and simulations. Track payments, analyze interest rate risks, and explore various financing scenarios for mortgages, auto loans, and personal loans. Export schedules and reports for comprehensive financial planning.

**Highlights:** Multi-phase loan modeling, Powerful simulation engine, Advanced visualizations, Payment tracking & calendar, Export schedules and reports, Educational resources, Local data storage

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Lightning Home Loans free?

Lightning Home Loans is free to download, with no in-app purchases.

### Is Mortgate Planner free?

Mortgate Planner is free to download, with no in-app purchases.

### Do Lightning Home Loans or Mortgate Planner have ads?

Neither Lightning Home Loans nor Mortgate Planner shows ads.

### Which is updated more often, Lightning Home Loans or Mortgate Planner?

Lightning Home Loans ships an update every 3 months, and Mortgate Planner every 3 weeks. Most recently, Lightning Home Loans was updated on October 27, 2026 and Mortgate Planner on October 31, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*