Mortgage calculators
Estimate repayments, compare home loans, test overpayments, explore affordability and understand whether renting or buying may suit your financial situation.
Repayments
Affordability and buying costs
MortgagesMortgage Affordability CalculatorEstimate a realistic home-price range from your income, debts and down payment — with a rate stress test, and clearly labelled planning assumptions.MortgagesDown Payment CalculatorPlan your deposit from either direction: what a given home price requires, or what your available cash supports — with closing costs and an emergency reserve included.
Overpayments and payoff
MortgagesMortgage Overpayment CalculatorSee how recurring or one-time overpayments could cut your mortgage interest and payoff time — under both treatments: shorten the term or reduce the payment.MortgagesReduce Payment vs Reduce Term CalculatorAfter a lump-sum prepayment, should you lower the monthly payment or keep it and finish sooner? Compare both outcomes side by side.
Comparisons and decisions
MortgagesRent vs Buy CalculatorA serious rent-versus-buy comparison: transaction costs, maintenance, home-price growth, and the investment return on money you don't put into a house.MortgagesMortgage Comparison CalculatorCompare two or three mortgage offers over the horizon that matters to you — including fees, cashback and introductory rates, not just the headline rate.MortgagesRefinance CalculatorEstimate whether refinancing recovers its costs: monthly change, true break-even month, and the full-term effect — including the trap of a lower payment from a longer term.