Calculators

Quick, honest calculators built for the buyer. Every figure is adjustable, and we show where it comes from.

Monthly cost What the home costs per month: interest, amortisation and running costs, stress-tested. Down payment How much cash you need, from the mortgage cap plus purchase costs. Loan-to-value Work out your loan-to-value and the amortisation it triggers. Stamp duty Stamp duty, title deed and mortgage deeds: the state fees at purchase. How much can I borrow The price you can reach, from your cash and household income. Amortisation over time See how amortisation and value growth build your equity year by year. Is the BRF healthy? Work out the association's debt per m² and whether it's low, normal or high. What does the bid cost? See what each step over the asking price does to the monthly cost. Running costs, house Add heating, power, water, insurance and upkeep into one monthly figure.

Heimer does this for you

Paste a listing and get the monthly cost, the hidden risks, and what to check. In 30 seconds.