Calculate your monthly repayments, total interest cost, and full amortisation schedule — using actual rates from Nigerian NHF, Kenya's Housing Finance, South Africa's major banks, and more.
This is a planning estimate. Actual rates, fees and terms vary by lender, product and country — always confirm with your bank before you commit.
| Year | Monthly Payment | Principal | Interest | Balance Remaining |
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This mortgage calculator helps home buyers across Africa estimate monthly repayments, total interest, and the full cost of a home loan. Enter the property price, down payment, interest rate, and loan term, and the tool generates a detailed amortisation schedule showing how each payment splits between principal and interest over the life of the loan. It supports calculations in multiple African currencies and accounts for varying interest rate structures. First-time buyers, property investors, and financial advisors use it to compare loan scenarios, understand affordability, and plan for one of the biggest financial commitments of their lives.
Not sure how to get the most from the Mortgage Calculator? Enter your amounts, rates and dates and it returns a clear estimate with the assumptions shown — built for all 54 African countries.
Reviewed 2026. Results are a guide — always confirm current prices, fees and official rates for your country before acting. It is a planning estimate, not financial advice.
Enter your amounts, rates and dates in the fields above. The Mortgage Calculator then gives you a clear estimate with the assumptions shown you can use straight away.
It is as accurate as the values you enter and shows the assumptions behind the result. Always confirm current prices, fees and official rates for your country before you rely on it. It is a planning estimate, not financial advice.
Yes — it is completely free, works on any phone or computer with no signup, and is built for all 54 African countries.
Use the repayment and amortisation output as a planning screen, then verify every lender-specific cost before paying deposits or signing documents.
Freshness note: mortgage rates and housing costs change by lender, country, product, and date. This is not a lender quote, mortgage approval, valuation, legal advice, or tax advice.