Ready to use
Calculators
Open tool Mortgage Affordability Calculator
Estimate a comfortable home price from income, deposit, rate, term, and monthly housing costs.
BUILT AROUND THE TASK
Compare mortgage options
Compare the borrowing scenarios behind a home purchase. Explore affordability, repayment schedules, closing costs, and lender offers with the same assumptions so the differences are easier to understand.
USE WITH CONTEXT
Before you use these tools
Use dated lender quotes and include fees and ongoing costs. Affordability estimates are not approvals, and a lower monthly payment can still produce a higher total borrowing cost.
A PRACTICAL ROUTE THROUGH THE SHELF
From raw input to reviewed output
- 1
Set a realistic budget
Estimate affordable payments alongside existing commitments and property expenses. Keep an allowance for costs outside the loan.
- 2
Compare the offers
Enter the same principal and term where possible. Review rates, fees, closing costs, and the repayment schedule together.
- 3
Explore an alternative
Test overpayments or another term, then check the lender's restrictions. Confirm the final figures with the lender before committing.
Choose a focused workspace
Ready to use
Real Estate & Property
Open tool Mortgage Amortization Calculator
Create a bounded, editable mortgage amortization calculator from supplied property data with transparent assumptions and professional safeguards.
Ready to use
Calculators
Open tool Mortgage Closing Cost Calculator
Estimate purchase closing costs from home price, a blended cost rate, and seller credits.
Ready to use
Calculators
Open tool Mortgage Lender Comparison Calculator
Compare two mortgage offers by scheduled repayment and entered upfront fees.
Ready to use
Calculators
Open tool Mortgage Overpayment Calculator
Compare payoff time and interest when a fixed extra amount is added to the monthly payment.
Questions before you start
Should I choose the offer with the lowest monthly payment?
Monthly payment is one factor. Compare the term, total interest, fees, rate changes, and any early repayment conditions as well. A longer term may reduce the monthly amount while increasing the overall cost.