Mortgages
Mortgage calculators
Free tools to simulate your mortgage installment and understand how it splits between principal and interest over time.
How to compare mortgage offers
The nominal rate is not the only thing to compare: duration, instalment frequency and fees all affect the total cost of the loan. Conventions also differ by country — whether the rate is fixed for the whole term or only for an initial period, how much of the property value a lender will finance, and what an early repayment costs. Use the amortization schedule to see how much you will actually pay in interest over the years, then check those local rules against your own lender's offer.
Mortgage payment
The payment from amount, rate and term, with interest and total cost.
Mortgage APR
What the offer really costs, charges included, and the weight of each line.
How much can I borrow
The largest mortgage income and savings support, and which of the two is holding it back.
Early repayment
The balance still owed, the interest saved, and whether to shorten the term or cut the instalment.
Variable-rate mortgage
The instalment as the index moves, and how far it can rise before it stops being affordable.
Remortgaging
Instalment and interest at the new rate, the net saving, and how long the costs take to earn back.
Constant-installment amortization schedule
Enter capital, rate and duration: get the installment amount and the full period-by-period table.
Installment comparison
Compare in one table how the instalment moves as the amount borrowed and the term come down.