European Mortgage & Affordability Calculator - Multi-Country Edition

Optimized for United Kingdom

Plan Your Mortgage in the UK

Calculate monthly payments, upfront costs (Notary/Stamp Duty), and affordability based on local banking standards.

Annual Net/Gross Income

Use the amount banks use for affordability (Gross in UK/DE, Net in some others).

Available Cash for Deposit

Property Price

Stamp Duty / Notary (Est. ~3%)

These costs are usually paid upfront and cannot be added to the mortgage in most EU countries.

Interest Rate

Duration

Calculated Loan Amount: £0

Council Tax (Monthly)

Service Charge/HOA

Other Debts (Loans/Cards)

Estimated Monthly Payment

(Principal + Interest)

Housing cost vs Income.
Europe generally targets <35-40%.

Loan Amount £0

Down Payment Used £0

Upfront Costs (Paid) £0