Mortgage calculators by country
A mortgage is priced differently in every market: the currency, the way the rate is quoted, the deposit expected and the taxes due on purchase all change at the border. Pick your country and the calculator starts from its own numbers.
Mortgage calculator
Change any field and the figures update as you type. Everything is worked out in your browser: no number you enter is transmitted or stored.
All countries
the United States
Thirty-year fixed rates are the default here and exist almost nowhere else, closing costs are itemised in detail, and mortgage insurance is added whenever the deposit is under a fifth of the price.
the United Kingdom
Short fixed periods of two to five years sitting on a much longer term, arrangement fees that can be added to the loan, and stamp duty as the largest single upfront line.
Germany
Long fixed periods and a large deposit expectation, with purchase costs — transfer tax, notary, land registry and agent commission — that routinely add a tenth to the price.
France
Almost entirely fixed-rate lending with a hard limit on the share of income that can go to debt, borrower insurance priced into the offer, and notary fees that dominate the upfront cost.
Spain
A market that moved from variable to fixed over the last decade, with transfer tax set regionally and a deposit expectation that is higher for non-residents.
Italy
Fixed and variable side by side, notary costs that are substantial and non-negotiable, and tax treatment that changes sharply depending on whether the property is your main home.
the Netherlands
The longest fixed periods in Europe, the possibility of borrowing the full purchase price, and mortgage interest relief that makes the net cost lower than the gross payment suggests.
Poland
Rates that move with the reference rate and a market historically dominated by variable pricing, alongside periodic state schemes aimed at first-time buyers.
Portugal
Long terms, variable rates tied to Euribor with fixed options alongside, and a purchase tax that scales steeply with the price of the property.
Sweden
Very long terms with short rate-fixing periods, plus a mandatory amortisation requirement that rises with the loan-to-value ratio and changes the monthly figure directly.
India
Floating rates linked to an external benchmark, stamp duty set state by state and often the largest upfront cost, and terms that shorten with the borrower’s age.
Türkiye
Rates are quoted monthly rather than annually here, terms are short by international standards, and the title deed fee is the dominant purchase cost.