Our mortgage loan calculator helps you estimate monthly home loan payments, total interest costs, and create a complete amortization schedule. The calculator accounts for country-specific taxes, fees, and regulations to provide accurate results.
| Field | What to Enter | Where to Find | Typical Range |
|---|---|---|---|
| Home Price | Purchase price or appraised value | Real estate listing, appraisal report | $200,000 - $1,000,000+ |
| Interest Rate (APR) | Annual Percentage Rate from lender | Bankrate, MND | 3% - 8% |
| Loan Term | Number of years to repay | Choose based on your budget | 15, 20, 30 years |
| Down Payment | Cash you'll pay upfront | Your savings, equity from sale | 3.5% - 20%+ |
| Property Tax Rate | Annual property tax percentage | County assessor's office | 0.5% - 2.5% |
| Home Insurance | Annual homeowners insurance cost | Insurance quotes, current policy | $800 - $3,000/year |
| PMI Rate | Private Mortgage Insurance (if <20% down) | Lender will provide rate | 0.3% - 1.5% |
| Field | What to Enter | Where to Find | Typical Range |
|---|---|---|---|
| Property Price | Purchase price or valuation | Estate agent, Rightmove | £200,000 - £1,000,000+ |
| Interest Rate | Mortgage rate from lender | MoneySuperMarket | 2% - 6% |
| Loan Term | Number of years to repay | Choose based on your budget | 25 - 35 years |
| Deposit | Cash you'll pay upfront | Your savings, Help to Buy | 5% - 25%+ |
| Council Tax | Annual council tax amount | Local council website | £1,000 - £3,000/year |
| Buildings Insurance | Annual buildings insurance cost | Insurance quotes | £200 - £800/year |
| Stamp Duty | Land tax on property purchase | gov.uk | 0% - 12% |
| Field | What to Enter | Where to Find | Typical Range |
|---|---|---|---|
| Property Price | Purchase price or appraised value | Real estate listing, Realtor.ca | $400,000 - $2,000,000+ CAD |
| Interest Rate | Mortgage rate from lender | Ratehub | 2% - 6% |
| Loan Term | Number of years to repay | Choose based on your budget | 25 - 30 years |
| Down Payment | Cash you'll pay upfront | Your savings, RRSP withdrawal | 5% - 20%+ |
| Property Tax | Annual property tax amount | Municipal tax office | $2,000 - $8,000/year |
| Home Insurance | Annual home insurance cost | Insurance quotes | $800 - $2,500/year |
| CMHC Insurance | Default insurance (if <20% down) | Lender calculates automatically | 2.8% - 4% |
| Field | What to Enter | Where to Find | Typical Range |
|---|---|---|---|
| Property Price | Purchase price or valuation | Real estate listing, Domain | $500,000 - $2,000,000+ AUD |
| Interest Rate | Comparison rate from lender | Canstar | 2% - 6% |
| Loan Term | Number of years to repay | Choose based on your budget | 25 - 30 years |
| Deposit | Cash you'll pay upfront | Your savings, First Home Guarantee | 5% - 20%+ |
| Council Rates | Annual council rates amount | Local council website | $1,500 - $4,000/year |
| Building Insurance | Annual building insurance cost | Insurance quotes | $500 - $2,000/year |
| Stamp Duty | Transfer duty on property purchase | State revenue office | 1% - 7% |
Now that you understand how to use the calculator, get accurate results for your mortgage loan.