Financial Tools

Mortgage Calculator

Enter property price, down payment, and interest rate to instantly calculate monthly payments, stress test, and minimum income requirements.

Property Details

Property Price ($)

Down Payment %

Mortgage Details

Interest Rate %

Tenure (years)

One-Time Costs

Agent / Legal Fees

Monthly Payment

—

Loan Summary

Loan Amount—

Total Repayment—

Total Interest—

💰 Total Upfront Cost

Cash needed on signing day

Down Payment (0%)—

Stamp Duty—

Agent / Legal Fees—

Total Needed—

⚠️ Stress Test (+3%)

Payment at +3% rate—

Min. Monthly Income—

Payment ≤ 50% of income; stress test DSR ≤ —

How to Understand These Results

Fixed instalment plan with a constant total monthly repayment.

Assumes interest rates rise by 3% to assess repayment ability.

Monthly payment should not exceed 50% of income; under stress test, not more than 60%.

Total interest payable over the entire mortgage term.