Monthly payments, total interest, and full amortization schedule for any home loan.
Discover how much house you can realistically afford based on income, debts, and down payment.
Analyze rental yields, cash flow, cap rate, and ROI for any investment property.
All-in-one tool for first-time homebuyers: property details, loan summary, rental cash flows, and equity ratios.
Making Smarter Property Decisions
Buying a home or investment property is the largest financial decision most people ever make. Yet most buyers rely on rough estimates and bank promises rather than their own numbers. These calculators put the maths in your hands — so you know exactly what you can afford, what you'll pay in interest, and whether a rental property actually generates cash flow.
Mortgage Payments
The standard formula M = P[r(1+r)^n]/[(1+r)^n-1] determines your monthly payment. A 0.5% higher interest rate on a £300,000 mortgage adds £80/month — £960/year. Use the mortgage calculator to model different scenarios before you commit.
What Can You Actually Afford?
Lenders use the 28/36 rule: your mortgage payment shouldn't exceed 28% of gross income, and total debt shouldn't exceed 36%. The home affordability calculator applies these ratios to your actual income and existing debts.
Rental Yield & Cash Flow
A property that "rents for good money" may generate negative cash flow once mortgage, maintenance, insurance, and void periods are factored in. The rental property calculator shows gross yield, net yield, monthly cash flow, and 10-year ROI.
Common Property Questions
How much deposit do I need to buy a house?
In the UK, the minimum deposit is typically 5% (95% LTV mortgage), but 10–20% gives you access to better rates. In the US, conventional loans require 3–20% down. A larger deposit means lower monthly payments and significantly less total interest paid over the loan term.
What is a good rental yield?
Gross rental yield of 5–8% is generally considered good in the UK and US. Net yield (after costs) of 3–5% is realistic in most markets. Always calculate net yield, not just gross — management fees, maintenance, insurance, and void periods typically reduce gross yield by 1.5–3%.
Fixed vs. variable rate mortgage: which is better?
Fixed-rate mortgages offer payment certainty for the fixed term (2, 5, or 10 years in the UK). Variable/ARM rates start lower but can rise. In a high-rate environment, fixing makes sense for budget stability. Use the mortgage calculator to model both scenarios with your actual numbers.