PROPERTY FINANCE TOOLS
Property finance calculators
Compare mortgage repayment, refinancing and rental yield using a consistent set of assumptions. Calculations stay in your browser and are not sent or stored.
01 · AMORTISATION
Mortgage repayment and rate scenarios
Estimate level monthly repayments, total interest, the first-year split and monthly payments at assumed rates 1% and 2% higher.
Higher-rate scenarios
| Assumed annual rate | Estimated monthly payment | Increase from base payment |
|---|
Annual principal, interest and balance
| Year | Opening principal | Principal repaid | Interest | Closing balance |
|---|
02 · REFINANCE
Refinance break-even and remaining total cost
Compare the existing and proposed mortgages using the same outstanding principal, including early repayment, legal and other fees, and cashback.
Break-even is net switching cost divided by the monthly payment reduction. It excludes time value of money, floating-rate changes, holding period, cashback conditions and account requirements.
03 · RENTAL YIELD
Gross and net rental yield
Estimate gross and net rental yield from the property price, rent and annual holding costs.
This tool has no mortgage or personal financing input. It compares property price with rental operations so leveraged cash flow is not presented as property yield. Tax, transaction costs, price changes and individual lease terms are excluded.
