Mortgage calculator
Enter the price, your deposit, the interest rate, and the term to see your monthly repayment, the total interest over the life of the loan, and how it splits against the principal.
Loan €200,000 · 80% LTV
Estimates only, for general guidance. Assumes a repayment (capital + interest) mortgage at a fixed rate. Figures in EUR.
How to use it
- 1Enter the property price and your deposit.
- 2Set the interest rate and the loan term in years.
- 3See your monthly payment, total interest and total cost instantly.
How to use the result
Use the payment as a floor
The monthly repayment is only the financing line. Add insurance, taxes, service charges, repairs, management fees, and vacancy before deciding whether the rent leaves enough margin.
Watch loan-to-value
A lower LTV usually gives you more room on rates and refinancing. If the payment jumps sharply after a small rate change, reduce leverage or require a stronger rental yield.
Guides and workflows for the result
Use the calculation as a starting point, then examine the assumptions and carry the result into the matching PropFlow workflow.
Questions
- How is the monthly payment worked out?
- It uses the standard amortization formula for a repayment mortgage: the loan amount, the monthly interest rate, and the number of months. Each payment covers interest first, then chips away at the principal.
- What is loan-to-value (LTV)?
- LTV is the loan as a percentage of the property price. A €200,000 loan on a €250,000 property is 80% LTV. Lower LTV usually unlocks better rates.
- Does this include taxes and insurance?
- No. It shows the principal-and-interest repayment only. Budget separately for property taxes, insurance, and any service charges.