Plan with assumptions
Mortgage & property calculators
Use these tools for rough illustrations only. Results depend on the figures you enter and are not lender assessments or financial advice.
Calculator 1
Illustrative borrowing estimate
Uses a simple income multiple and commitment adjustment for illustration. Actual lender affordability calculations are much more detailed.
The borrowing figure is a simplified estimate and may be materially different from a lender's assessment. The payment assumes a constant rate for the full term and excludes fees, insurance and other costs.
Calculator 2
Mortgage overpayment illustration
Compare the effect of a regular monthly overpayment on a repayment mortgage, assuming the interest rate remains unchanged.
Check your mortgage terms before overpaying. Early repayment charges, annual limits and lender calculation methods can affect the outcome.
Calculator 3
Rental yield calculator
Estimate gross yield and a basic net yield after the annual costs you enter.
This is not a full profit calculation. Consider finance costs, void periods, repairs, insurance, agent fees, tax, licensing, compliance and transaction costs. Yield is not a guarantee of return.
Calculator 4
Portfolio growth projection
Model a hypothetical property portfolio value using an assumed annual growth rate and additional annual contributions.
A mathematical scenario, not a market forecast. It excludes borrowing, inflation, tax, fees, capital expenditure, rental cash flow and changes in property values. Property values can fall as well as rise.