Property finance planning

Mortgage decisions, without invented rates

Enter the rate and costs from your lender quote or your own clearly marked scenario. Compare monthly principal and interest, cash needed, lifetime cost and a rate-stress case before you commit.

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Build your planning case

This models a level-payment, fixed nominal annual rate. It is not a lender quote, approval or APR calculation.

Use the nominal fixed rate shown by your lender, not a site preset.

Valuation, legal, registration and lender fees from your quote.

Insurance, service charge or recurring costs you want shown separately.

Nothing is stored or sent. Confirm your assumptions to calculate.

Estimated all-in monthly payment—Principal + interest + your monthly cost assumption
Principal + interest—
Loan amount—
Total interest—
Total all-in payments—
Upfront cash—
Loan-to-value (LTV)—
Total interest percentage (TIP)—
First five-year payments—
Principal repaid in comparison period—
Stressed monthly payment—
Stress increase per month—
Stress rate—
The total excludes any cost you did not enter. TIP is a planning comparison of scheduled interest to principal, not APR. Adjustable-rate loans can cost more than this fixed-rate scenario.

Year-by-year amortisation

Annual totals use the fixed rate entered above and assume every scheduled payment is made on time.

YearPrincipal repaidInterest paidClosing balance

What the calculation does

The standard amortisation formula splits each level monthly payment between interest and principal. Early payments usually contain more interest; later payments usually repay more principal. A zero-rate case divides principal evenly across the term.

Upfront costs and recurring monthly costs stay separate from principal and interest so the assumptions remain visible.

What it does not decide

  • Whether a lender will approve you or what rate it will offer.
  • Whether local tax, title, valuation or insurance requirements are satisfied.
  • How an adjustable rate will actually change.
  • Whether refinancing or early repayment is permitted or cost-effective.