New Property Finance Calculator Now Live

Whether you’re researching your next investment property, comparing finance options, or reviewing a refinancing opportunity, our Calculate Monthly Costs calculator can provide an instant estimate of:

• Monthly interest-only payments
• Monthly capital repayment payments
• Estimated loan amounts based on your deposit and property value

This calculator is suitable for all property investors, from first-time landlords through to experienced portfolio owners, and can help you gain a clearer understanding of how financing may impact your cash flow.

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Estimate Your Maximum Borrowing Potential

For more experienced investors, we’ve also included a Maximum Advance Calculator. This tool uses a lender’s cover ratio and stressed interest rate to estimate the maximum loan amount a property’s rental income or trading income could support.

This can be particularly useful when:

• Assessing the viability of a new investment opportunity
• Comparing properties with different rental incomes
• Estimating borrowing capacity before approaching lenders
• Understanding how lender stress testing may affect available finance

Because lenders use different cover ratios and stress rates, this calculator is best suited to investors who are familiar with these concepts and want to run their own scenarios.

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A Helpful Starting Point, Not Financial Advice

While our new calculators provide a useful indication of costs and borrowing potential, every lender assesses applications differently. Property type, experience, income, fees, loan-to-value, and lender criteria can all affect the final outcome.

For the most accurate assessment, we recommend speaking with one of our specialist advisers who can help source suitable options from across the market.

👉 Try our Advanced Property Finance Calculator