A mortgage is a loan secured against a specific property, and that changes the arithmetic in two ways a general loan calculator does not cover: the amount available depends on the property's value as well as the borrower's income, and, because it is such a large debt held for such a long time, small differences in rate or term compound into large differences in total cost.
Calculators in this section
Cap rate
Cash on cash return
Closing costs
Gross rent multiplier
Home equity
Rebuild cost
Interest-only mortgage
Mortgage APR
Mortgage affordability
Mortgage amortisation
Mortgage interest paid
Mortgage payment
Payment to price
Mortgage payoff date
Mortgage points
Mortgage principal paid
Net operating income
Property appreciation
Refinance break even
Refinance savings
Rental cash flow
Vacancy rate
Rental yield
The calculators below split into two uses that rarely overlap for the same visitor. The first covers buying somewhere to live in — what a lender will offer, how the balance falls over the term, what refinancing or paying points actually saves once the switching costs are counted. The second covers buying a property as an investment, and uses a different vocabulary entirely: cap rate, cash-on-cash return, gross rent multiplier — measures built for comparing rental deals against each other rather than for tracking a single homeowner's balance.
Both halves reduce, in the end, to the same underlying loan maths used across the rest of this section — amortisation is amortisation, whichever roof it sits under — applied to numbers specific enough to a property purchase that they earn their own page rather than being folded into general loan calculators.