Description
Which mortgage offer is really cheaper?
See what you can afford and compare mortgage offers side by side.
- 8 tabs
- 5 offers compared
- stress test
- filled example
Get Mortgage Affordability & Comparison Calculator · $19
Instant download · Spreadsheet (Excel + Google Sheets) · Digital download · All sales final
You’re here because…
- A lender or an online calculator gave you a "you can borrow" number that feels higher than what you could live with.
- Two or three offers are on the table: one has the lowest rate, one has no fee, one is fixed for longer, and you cannot tell which is cheaper.
- You keep wondering what happens when the fixed period ends, or if rates are higher when you renew.
- You want a price you can still pay if things get tighter, not the most a bank will lend.
- And you would like to see the arithmetic yourself, not just a single answer from someone selling the loan.
This calculator gives you a stress-tested planning price range at limits you choose, then costs up to 5 offers over the same number of years so the cheapest one is clear. Every formula is shown.
What it does for you
A lender says you can borrow a number that feels too high. Offers arrive with different rates, fees and fixed periods, and the one with the lowest rate is not obviously the cheapest. You want a price you could still pay if rates were higher, and a clear answer on which offer costs less.
This calculator works from limits you choose: your income, debts, deposit, the ratio limits you want to use and a stress-test buffer, and it gives you a planning price range. Then it costs up to five offers over the same number of years, including fees, cashback and the rate after the fixed period, and highlights the cheapest. A yearly schedule shows what overpaying saves, and a rate table shows what the payment becomes if the rate moves. Arithmetic only, every formula shown.
What’s inside
A look inside
How it works
Made for
- First-time buyers working out a realistic price range
- Repeat buyers and people renewing or remortgaging who are comparing offers
- Anyone who wants to check a lender or broker's numbers themselves
Format
- Excel .xlsx · Google Sheets
- Quick Start PDF · A4 + US Letter
- Formulas locked, inputs tinted
- Instant download
Questions
Do I need Excel?
No. You get the Excel .xlsx file and a one-click Google Sheets copy link (inside the Quick Start PDF), so it works in Excel, Google Sheets or Numbers.
Is there an example?
Yes. Every tab comes filled with a worked example first, then your own blank tabs. Every formula is explained in the Quick Start PDF.
Does it work where I live?
It is written for the US, UK and Canada in plain language. Rules differ by country, state and province, so every tool tells you what to check locally.
When do I get it?
Straight after checkout: you get a download link by email and on the confirmation page.
This product alone is $19. Or upgrade and save.
The Home Buyer Bundle
Mortgage Affordability & Comparison Calculator + 5 more products + Start Here + bonus
The Realistely Complete Property System
All 5 bundles: buying, selling, renting, investing, owning and life changes, with one roadmap
Same instant download · Digital download · All sales final
Mortgage Affordability & Comparison Calculator
See what you can afford and compare mortgage offers side by side.
Instant download · Digital download · All sales final
Educational information only, not legal, tax or financial advice. Rules differ by country and state; check your local rules.
