Mortgage Calculators

15 vs 30 Year Mortgage Calculator

Compare 15-year versus 30-year mortgage showing interest savings and monthly payment difference. Enter loan amount and 15-year rate to size affordability.

Adjustable Rate Mortgage Calculator

Calculate ARM payments for both the fixed and reset periods — see how your adjustable rate mortgage cost changes when the rate adjusts.

ARM vs Fixed Rate Mortgage Calculator

Compare ARM initial payment vs fixed-rate mortgage. See 5-year initial savings and the rate gap. Enter loan amount and arm initial rate to size affordability.

Balloon Mortgage Calculator

Calculate balloon mortgage payment due. See monthly payment, total paid before balloon, and final lump sum. Enter loan amount to size affordability.

Biweekly Mortgage Payoff Calculator

Calculate years saved by switching to biweekly mortgage payments, plus the total interest you avoid over the loan's life.

Blended Rate Mortgage Calculator

Calculate the blended (weighted-average) interest rate across two mortgage loans of different balances and rates. Free and educational.

Break-Even Refinance Calculator

Calculate months to break even on mortgage refinance after paying arrangement fees — see whether refi pays back within your planned stay duration.

Bridging Loan Calculator

Calculate the total cost of a short-term bridging loan including monthly interest and arrangement fees over a chosen exit timeline.

Buy to Let Affordability Calculator

Calculate buy-to-let affordability using interest cover ratio (ICR) and stress-tested rate. Enter property price to see icr and stress-tested affordability.

Cash-Out Refinance Calculator

Calculate cash extracted and new monthly payment after a cash-out refinance. Enter home value and mortgage balance to see cash out and new payment.

Closing Costs Calculator

Calculate total closing costs for home purchase including all fee categories. Enter purchase price and lender fees to size affordability.

Combined Loan-to-Value Calculator

Calculate combined loan-to-value across a first mortgage and a second loan or home equity line. Enter first mortgage balance to see combined ltv.

Construction Loan Calculator

Calculate interest-only payments and total interest paid during a construction loan build phase, accounting for staged drawdowns.

Down Payment Calculator

Calculate down payment from home price plus closing costs and months-to-save at current rate. Enter target home price and savings to size affordability.

Early Mortgage Payoff Calculator

Calculate years and interest saved by making extra mortgage payments. See impact of regular overpayments. Enter mortgage balance to size affordability.

Equity Buildup Calculator

Calculate mortgage equity buildup over time. See how much principal you've repaid and equity built after any year of a fixed-rate loan term.

First Home Buyer Calculator

Calculate how long to save a first home deposit by entering your target price, deposit percentage, monthly savings, and interest rate.

First vs Second Mortgage Calculator

Compare refinancing your first mortgage against taking out a second mortgage for the same cash need. Enter first mortgage balance to size affordability.

Fixed vs Variable Mortgage Rate Calculator

Compare cost of fixed versus variable mortgage rates across the fixed period, with the break-even point at which variable would win.

HELOC Calculator

Calculate HELOC monthly payments across draw and repayment periods — see the total interest paid over the loan's full life.

Home Affordability Calculator

Calculate maximum affordable house price from income, deposit, and existing debts using both income-multiple and DTI methods.

Home Appreciation Calculator

Calculate future home value based on purchase price and annual appreciation rate. Enter years to see projected future value and total appreciation.

Home Buying Costs Calculator

Calculate total upfront costs of buying a home: deposit, transfer tax, legal, survey, mortgage arrangement, and moving fees combined.

Home Equity Calculator

Calculate home equity as the current property value minus the outstanding mortgage balance — what you'd actually walk away with on a sale.

Home Equity Growth Calculator

Project home equity growth over time from mortgage principal paydown and property appreciation. Enter property value to see projected equity.

Home Moving All-in Cost Calculator

Calculate your home moving all-in cost including removals, legal fees, utilities, cleaning, and a 20% contingency buffer for hidden expenses.

House Price to Income Ratio Calculator

Calculate house price to income ratio with affordability benchmarks. Enter property price and household annual income to see ratio and affordability benchmark.

Housing Affordability Index Calculator

Calculate the price-to-income ratio for housing affordability in your area. Enter median home price and median household income to size affordability.

Interest Only vs Repayment Calculator

Compare interest-only vs repayment mortgage costs side by side. See monthly payment difference and outstanding balance at end of term.

Land Loan Calculator

Calculate monthly payments on a land loan. Enter land price, down payment, interest rate, and term to see payment and total interest.

Loan to Value Calculator

Calculate your loan-to-value (LTV) ratio from mortgage balance and property value — plus the equity cushion you have above the loan.

LTV Improvement Calculator

Calculate how much it helps to pay down to reach a lower LTV tier on your mortgage. Enter property value and balance to see paydown needed.

Maximum Mortgage Calculator

Calculate maximum mortgage loan from monthly income and DTI ratio — a quick pre-qualification estimate before a formal application.

Mortgage Affordability Calculator

Calculate your maximum mortgage using an income multiple and deposit amount to estimate the highest purchase price you could potentially reach.

Mortgage Broker Fee Calculator

Compare a flat broker fee against a percentage-of-loan fee to see which costs more. Enter loan amount to see which structure costs less for your loan size.

Mortgage Calculator

Estimate monthly mortgage payments based on loan amount, interest rate, and amortization period. Calculate total interest paid over loan term.

Mortgage Comparison Calculator

Compare two mortgage offers by total cost across the introductory period, including arrangement fees that can dwarf the monthly difference.

Mortgage Debt Consolidation Calculator

Compare total interest on high-rate debt kept separate versus consolidated into your mortgage — sometimes the lower rate isn't actually cheaper.

Mortgage Debt Yield Calculator

Calculate mortgage debt yield as net operating income divided by loan amount — a key commercial real estate lending ratio.

Mortgage Forbearance Cost Calculator

Multi-year cost of a mortgage forbearance agreement during hardship from current balance and rate, with added interest and total lifetime cost.

Mortgage Free Date Calculator

Calculate the exact date you become mortgage-free at your current payment pace, given current balance and interest rate.

Mortgage Holiday Cost Calculator

Calculate the true interest cost of a mortgage payment holiday based on your current balance, rate, and remaining loan term.

Mortgage Overpayment Break-Even Calculator

Calculate your mortgage overpayment break-even month—see when cumulative interest savings finally exceed the total cash you have overpaid.

Mortgage Overpayment Calculator

Calculate interest saved and months cut with a mortgage overpayment calculator. Enter extra monthly payments to see your new payoff date.

Mortgage Payoff Date Calculator

Calculate exact mortgage payoff date based on balance, rate, and monthly payment. Enter mortgage balance and interest rate to see payoff months remaining.

Mortgage PITI Calculator

Calculate total monthly PITI housing payment. Principal + interest + taxes + insurance + PMI + HOA. Enter loan principal to size affordability.

Mortgage Points Break-Even Calculator

Calculate your mortgage points break-even period. Enter upfront points cost and monthly savings to find how many months to recoup your investment.

Mortgage Points Calculator

Calculate cost of mortgage points and resulting monthly payment reduction. Enter loan amount and points paid to see upfront cost and monthly saving.

Mortgage Rate Delta Impact Calculator

Calculate mortgage rate delta impact on your monthly payment. Enter balance, current rate, new rate, and term to see the indicative cost difference.

Mortgage Recast Calculator

Calculate the new monthly payment after a mortgage recast with a lump sum principal reduction, keeping the original term and rate.

Mortgage Stress Test Calculator

Stress test your mortgage affordability if rates rise. See payment increase at upper rate scenarios. Enter balance and stress test rate to size affordability.

Mortgage Term Reduction Calculator

Calculate mortgage term reduction savings by comparing total interest paid across two term lengths at the same fixed rate and loan amount.

Pay Off Mortgage vs Invest Calculator

Compare paying extra on your mortgage versus investing the same money. See which path produces more net wealth over your chosen horizon.

Mortgage vs Investments Calculator

Compare paying off mortgage early vs investing the same lump sum at expected return. Enter mortgage rate and investment return to see winner.

Mortgage vs Personal Loan Calculator

Compare cost of funding via mortgage top-up vs personal loan for the same amount. Enter amount needed and mortgage rate to see total interest of each.

Mortgage vs Rent Lifetime Calculator

Compare total cost of buying versus renting over decades accounting for mortgage payoff, home equity, and rent inflation.

Mortgage vs Renting Calculator

Compare the lifetime cost of buying with a mortgage versus renting over any time horizon by entering your monthly payments and years planned.

Negative Equity Calculator

Calculate whether a property is in negative equity and the size of the shortfall between mortgage balance and market value.

New Build Premium Calculator

Calculate the premium paid for a new-build property compared to an equivalent resale home in the same area. Enter new build price to size affordability.

Offset Mortgage Calculator

Calculate offset mortgage interest savings. See years saved and total interest reduced by offset balance. Enter mortgage balance to size affordability.

Lump Sum Overpayment Savings Calculator

Calculate interest saved and term reduction from a lump sum mortgage overpayment, based on your balance, rate, and remaining term.

Mortgage Overpayment vs Invest Calculator

Compare mortgage overpayment vs investing extra money — see which produces the better long-term financial outcome at your rates.

Piggyback Mortgage Calculator

Compare piggyback 80-10-10 mortgage cost against single loan with mortgage insurance. Enter property price and deposit to size affordability.

Portfolio Loan Calculator

Calculate the maximum loan available against a securities portfolio using margin rate and maintenance threshold to model borrowing limits.

Prepayment Penalty Calculator

Calculate the prepayment penalty on a mortgage based on remaining balance and penalty percentage. Enter balance being repaid to size affordability.

Property Price Growth Calculator

Project property value at a given annual growth rate over the holding period. Enter years to see future value and total appreciation.

Property Transaction Cost Calculator

Sum all property transaction costs beyond the deposit — legal, survey, agent, moving — to see the real cash needed at completion.

Property Value Calculator

Estimate current property value using purchase price, years owned, appreciation rate, and improvements to see total and annualised gain.

Refinance Break-Even Calculator

Calculate mortgage refinance break-even point and net savings over five years. Determine when refinancing becomes financially beneficial.

Mortgage Refinance Calculator

Calculate monthly savings and total interest reduction from refinancing your mortgage to a lower rate, including arrangement fees.

Remortgage Calculator

Calculate remortgage savings after fees and early repayment charges — monthly savings plus break-even months on the switching costs.

Remortgage Savings Calculator

Calculate savings from remortgaging to a lower rate after accounting for switching costs. Enter monthly payment and new monthly payment to see net savings.

Renovation ROI Calculator

Calculate ROI on home renovation based on cost and value added. Enter renovation cost and estimated value added to see roi percentage and net gain.

Rent Increase Impact Calculator

Calculate the annual and cumulative cost of a rent increase over multiple years, factoring in compounding rates across your full tenancy.

Rental Yield vs Mortgage Cost Calculator

Compare monthly rental income against mortgage cost to see buy-to-let cashflow position. Enter mortgage payment and running costs to size affordability.

Second Home True Cost Calculator

Estimate the true annual cost of owning a second home — mortgage, property tax, insurance, utilities, and maintenance combined in one total.

Seller Net Proceeds Calculator

Calculate net proceeds from selling your home after mortgage payoff, agent fees, legal costs, and other selling expenses.

Shared Appreciation Mortgage Calculator

What a shared appreciation mortgage costs — lender takes a share of future appreciation in exchange for a lower rate today.

True Cost of Homeownership Calculator

Full price of homeownership across the years held — mortgage interest, maintenance, insurance, and property tax combined.

Years of Rent Lost Calculator

Calculate cumulative rent paid across years of renting and convert into the equivalent property purchase power that money would have funded.