Mortgage Calculators
Calculate mortgage payments, compare loan options, and plan home purchases.
26 free calculators in this category
15 vs 30 Year Mortgage Calculator
Compare a 15-year versus 30-year mortgage on the same loan: monthly payment for each term, total interest, and the interest difference between them.
Balloon Mortgage Calculator
Estimates the lump sum due at the end of a balloon mortgage, plus the monthly payment and total paid before the balloon, from the amount, rate, and terms.
Blended Rate Mortgage Calculator
Calculate the blended (weighted-average) interest rate across two mortgage loans of different balances and rates. Free and educational.
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 interest cover ratio from property price, rent, loan-to-value and a stress-tested rate, against the cover a lender requires.
Construction Loan Calculator
Calculate interest-only payments and total interest paid during a construction loan build phase, accounting for staged drawdowns.
Down Payment Calculator
Down payment, closing costs at a fixed 2.5%, total cash needed, and months to reach it from current savings and a monthly amount.
Early Mortgage Payoff Calculator
See how many years a monthly overpayment cuts from a mortgage and the interest it removes, plus the accelerated payoff term and total extra paid.
Home Affordability Calculator
Calculate maximum affordable house price from income, deposit, and existing debts using both income-multiple and DTI methods.
Home Buying Costs Calculator
Calculate the cash needed at completion on a home purchase: deposit, transfer tax, legal, survey, mortgage arrangement, and moving fees combined.
Home Equity Calculator
Calculate home equity as current property value minus the outstanding mortgage balance, with equity share and loan-to-value alongside.
Home Equity Growth Calculator
Projected home equity from appreciation and principal paydown over time. Enter property value, balance and horizon to see projected equity.
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.
Mortgage Broker Fee Calculator
Compare a flat broker fee against a percentage-of-loan fee: which costs less at a given loan size, plus the break-even loan amount and rate.
Mortgage Calculator
Estimate monthly mortgage payments from home price, down payment, interest rate, and loan term. Calculate total interest paid over the loan term.
Mortgage Overpayment Calculator
See the interest avoided and the months cut from a mortgage by paying extra each month, with the new payoff term and the total extra paid.
Mortgage vs Personal Loan Calculator
Compares the total interest of funding a large expense through a mortgage top-up or a personal loan, from the amount, both rates, and both repayment terms.
Offset Mortgage Calculator
Estimates the interest saved and years cut from a mortgage by holding savings in an offset account, from the balance, rate, term, and typical offset amount.
Piggyback Mortgage Calculator
Estimates the combined monthly payment of a piggyback (80-10-10) mortgage from the property price, deposit, loan split, both rates, and the shared term.
Mortgage Refinance Calculator
Estimates the monthly and total payment change from refinancing a mortgage to a new rate, before fees. The monthly saving feeds the fee break-even.
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: the extra you pay each month and year, plus 3-year and 5-year totals.
Rental Income vs Mortgage Cost Calculator
Compare monthly rental income against mortgage payment and running costs to see whether a rental property runs at a monthly surplus or shortfall.
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.
True Cost of Homeownership Calculator
Estimate the annual running cost of homeownership: mortgage payments, maintenance, insurance, and property tax, with 10- and 25-year projections.
Years of Rent Lost Calculator
Total cumulative rent across years of renting, shown as a share of a reference property price and against a 5% growth benchmark.
About Mortgage Calculators
These calculators cover every aspect of home financing — from monthly payment estimates and amortisation schedules to refinancing analysis, rent-versus-buy comparisons, and affordability assessments. Enter loan amount, interest rate, and term to see detailed payment breakdowns.