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 15-year versus 30-year mortgage showing interest savings and monthly payment difference. Enter loan amount and 15-year 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.
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 affordability using interest cover ratio (ICR) and stress-tested rate. Enter property price to see icr and stress-tested affordability.
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.
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 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.
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 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 amortisation period. Calculate total interest paid over loan term.
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 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.
Offset Mortgage Calculator
Calculate offset mortgage interest savings. See years saved and total interest reduced by offset balance. Enter mortgage balance to size affordability.
Piggyback Mortgage Calculator
Compare piggyback 80-10-10 mortgage cost against single loan with mortgage insurance. Enter property price and deposit to size affordability.
Mortgage Refinance Calculator
Calculate monthly savings and total interest reduction from refinancing your mortgage to a lower rate, including arrangement fees.
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
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.
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.