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Mortgage calculator

Estimate the monthly payment, total interest and how the balance reduces over the loan term.

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%

$130K up front

%
yrs

Monthly payment

$0

Loan amount
$520,000
Total interest
$533,323
Total repaid
$1,053,323

Principal vs interest

Total

$1.1M

  • Principal$520,000
  • Interest$533,323

Remaining balance by year

  • Balance
  • Interest paid

Estimate for illustration only; not financial advice. Assumes a fixed rate for the full term.

Affordability calculator

See the loan and price your income, existing debts and deposit are likely to support.

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$
$
%
yrs
%

Share of monthly income lenders typically allow toward this loan.

Estimated max price

$0

Max loan amount

$0

Max monthly payment

$0

Deposit$150,000
Loan$530,701
See homes up to $680,701

Estimate for illustration only; not financial advice. Lenders assess affordability against many factors beyond income and debts.

Total purchase cost

The down payment is only part of the cash you need on completion. See every fee added up.

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%
%
%
%

Applied to the loan amount.

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$
$
Down payment$130,000
Agency fee$13,000
Transfer / registration fee$26,000
Legal fees$3,500
Mortgage arrangement fee$5,200
Valuation fee$650
Other / moving costs$2,500

Total cash needed at completion

$0

Estimate for illustration only; not financial advice. Actual fees vary by lender, location and provider.

Investment return

Net rental income, cash-on-cash return and projected value if you hold the property for a period.

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%
%
yrs
$
%

Maintenance, management and vacancy, as a share of rent.

%
yrs

Net annual income

$0

Cash-on-cash return

0.0%

Cash invested

$0

Projected value over 5 years

Estimate for illustration only; not financial advice. Assumes steady rent, costs and appreciation.

Rental yield

Gross and net yield for a property, compared with sample average yields across Meridian City areas.

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$
$

Service charge, maintenance and management fees.

Gross yield

0.0%

Net yield

0.0%

Yield by area

Sample market data

Estimate for illustration only; not financial advice. Area figures are sample data.

Cash flow

Monthly income against every outgoing, so you can see what is actually left over.

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$

From the mortgage calculator above, or your own figure.

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%
$
%

Net monthly cash flow

$0

Net annual cash flow

$0

Income vs expenses

  • Income
  • Expenses

Estimate for illustration only; not financial advice.