Mortgage Calculator
Estimate your monthly repayment based on property price, deposit, interest rate, and loan term.
Rates and terms vary by country — adjust to match your market
10%
Monthly Repayment
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Loan Amount
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Deposit Amount
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Total Repaid
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Total Interest
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Cost Breakdown
Indicative only. Actual repayments depend on your bank's assessment, credit profile, and prevailing rates. Consult a financial advisor.
Affordability Calculator
How much property can you afford based on your income, expenses, and deposit?
30%
Banks typically allow 28–33% of gross income for mortgage repayments.
Maximum Property Price
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Max Monthly Payment
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Max Loan Amount
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Net Monthly Income
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Available for Bond
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Income Allocation
This is a guideline based on standard banking ratios. Your bank may approve more or less depending on your credit score, employment type, and other commitments.
Transfer Cost Calculator
Estimate transfer duty, conveyancing fees, and other costs when buying property.
🇿🇦 South Africa — ZAR
Total Estimated Costs
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Cost Breakdown
Purchase Price
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Total Cash Needed
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Transfer costs vary by country and property value. This calculator provides estimates based on standard tariffs. Actual costs may differ — consult a conveyancer in your jurisdiction.
Rental Yield Calculator
Calculate gross and net rental yield on an investment property.
Levies, rates, insurance, maintenance, management fees, vacancy allowance
5%
Gross Yield
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Net Yield
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Annual Rent (gross)
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Annual Rent (net of vacancy)
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Annual Expenses
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Net Operating Income
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Income vs Expenses
Gross yield = annual rent / purchase price. Net yield = (annual rent - expenses - vacancy) / purchase price. Does not include capital growth, tax, or financing costs.
Bond Calculator
Detailed bond repayment schedule with amortization breakdown — see how extra payments save you money.
Even small extra payments can dramatically reduce total interest and loan term.
Monthly Repayment
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Total Repaid
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Total Interest
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Effective Term
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Interest Saved
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Amortization Schedule (first 5 years)
| Year | Principal | Interest | Balance |
|---|
Principal vs Interest Over Time
Bond repayments are calculated using standard amortization. Actual bank terms, initiation fees, and service fees may vary. Extra payments reduce both term and total interest paid.
Stamp Duty & Property Tax
Calculate stamp duty, transfer tax, and property acquisition tax for 185 countries. Full bracket-by-bracket breakdown.
🇬🇧 United Kingdom — GBP
£
Stamp Duty / SDLT
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Effective Rate
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Marginal Rate
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Tax Amount
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Price + Tax
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Bracket Breakdown
Select a country and enter a purchase price to calculate stamp duty.