Mortgage & real estate
Mortgages, affordability, rent, refinancing and property. 17 tools.
Mortgage calculatorMonthly payment from price, deposit, rate and term, with overpayments.Amortization calculatorFull loan schedule showing how each payment splits between interest and principal, with extra payments.Mortgage payoff calculatorSee how extra monthly payments or a lump sum shorten your mortgage and cut interest.House affordability calculatorEstimate the home price you can afford from income, debts, deposit and typical lender ratios.Debt-to-income ratio calculatorWork out the share of your income that goes on debt and housing, and how lenders read it.Rent calculatorHow much rent you can afford, what the rent costs in total and what you need to pay up front.Real estate calculatorMonthly cost of owning a home, cash needed to buy and the equity you could build.Rental property calculatorCash flow, cap rate, cash-on-cash return and total return on a buy-to-let or investment property.Refinance calculatorCompare your current mortgage with a new one and see the monthly saving and break-even point.APR calculatorFind the true annual percentage rate of a loan once fees and points are included.FHA loan calculatorMonthly payment on a US FHA mortgage including the upfront and annual mortgage insurance premiums.VA loan calculatorMonthly payment on a US VA home loan, with the VA funding fee worked out from your down payment.Home equity loan calculatorHow much you could borrow against your home and what a fixed-rate equity loan would cost.HELOC calculatorCredit line available on your home, interest-only payments while drawing and repayments afterwards.Down payment calculatorHow much deposit you need for different loan-to-value levels and how long it takes to save.Rent vs buy calculatorCompare the long-term cost of renting with buying, including upkeep, growth and the money you would invest.Stamp Duty calculator (England & NI)Stamp Duty Land Tax on a residential purchase in England or Northern Ireland, with first-time buyer and additional home rates.