Cash you need now
Include the deposit, taxes, legal work, and lender fees. Keep your emergency fund separate.
Estimate the real cost of your mortgage
Enter the price, available funds, term, and rate. See the payment, financing, interest, and total cost, then test fixed, variable, or mixed structures.
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Define your mortgage
Pin enough independent inputs to calculate one consistent mortgage. Example values do not constrain the result.
5 independent inputs remaining
Estimate only. Taxes and other costs vary by country, deal, and lender.
See what changes the answer
Know the cost before you choose
A mortgage is more than a monthly payment. These five checks show what you pay now, what you borrow, and what could change later.
How much of the home is debt
LTV is loan divided by home price. A high LTV leaves less equity and less room if prices fall.
What can change later
Fixed rates stay steady. Variable rates move with a benchmark plus the lender's margin. Mixed loans change after the fixed period.
Why the term matters
Longer terms lower each payment but usually cost more interest. Compare 15, 20, and 30 years.
The price of borrowing
Interest is separate from the home price. Check total interest to see what the loan adds over its full life.
Verify the details before applying
Use the result in a wider plan
Choose with context
Compare the loan with the life around it
A payment can fit today and still limit tomorrow. Test the mortgage beside income, savings, taxes, investments, and major life plans.
Model the full plan Free to startEstimate only. Taxes and other costs vary by country, deal, and lender.