Mortgage Repayment Calculator

Take complete control of your home-buying journey with our all-in-one Mortgage & Affordability Calculator. Whether you are buying your first home, remortgaging, or planning overpayments, our intuitive tools make financial planning clear and simple.

Key Features:
- Mortgage & Amortization Calculator:
- Calculate monthly payments based on property price, deposit, interest rate, and term length.
- Support for both Repayment and Interest-Only mortgages.
- Account for product fees and choose whether to add them to the loan balance.

Overpayment & Savings Tracking:
- Visualize how overpayments reduce your total interest and shorten your loan term with clear dynamic charts.
- View detailed monthly amortization schedules showing principal, interest, and remaining balance over time.

Affordability Checker:
- Estimate your maximum borrowing capacity using income multiplier models.
- Evaluate Loan-to-Income (LTI) and Debt-to-Income (DTI) ratios to ensure your requested loan is within safe boundaries.

Profile & Scenario Manager:
- Save income profiles (single or joint applicants) with gross annual and net monthly income.
- Track committed monthly spending including loan repayments, childcare, and general outgoings.
- Instantly load your saved profiles directly into the affordability checker to run custom scenarios effortlessly.