Free tool

Mortgage Simulator

Model how loan size, interest assumptions, and amortization structure affect payments and remaining balance over time.

Mortgage Optimizer

Opportunity-level workspace to structure financing before you commit to a mortgage setup.

1. Property and cash inputs

Start with the purchase price, your available own funds, and the purchase costs to derive the loan amount.

Purchase price

Personal funds

Notary and purchase taxes (%)

2. Interest-rate assumptions

Fixed rate is selected by default. Turn on the variable comparison only when you want to test sensitivity.

Interest-rate mode

Fixed rate (%)

3. Repayment settings

Choose a repayment shape and horizon to see how debt service evolves over time.

Payment shape

Years to repayAnnual repayment %Projection horizon (years)

Repay only 2nd rank trancheStop amortizing at property value %%

Adjust the setup and click calculate to reveal the first result.