Estimate your monthly payment for a property purchase

The ImmoScout24 mortgage calculator estimates your monthly payment using the property price, available equity, additional purchase costs, repayment rate, fixed-rate period and current indicative mortgage rates.

Based on these details, it calculates the initial monthly interest and repayment amount for your selected financing scenario.

The calculator provides an estimated monthly mortgage payment and an illustrative repayment schedule for your property financing.

It also shows how interest, repayments and the remaining balance could develop over time. This gives you an initial indication of whether the selected financing scenario could fit your plans.

The repayment schedule shows how your mortgage could develop throughout the selected financing period.

It explains how much of each monthly payment goes towards interest and repayment, how the outstanding balance decreases and how much may remain at the end of the fixed-rate period.

At the beginning of the mortgage, the interest share is usually higher. As the remaining balance falls, the interest share decreases and the repayment share increases.

You need the estimated or actual property price, your available equity, the additional purchase costs, your preferred repayment rate and the desired fixed-rate period.

The calculator estimates the additional purchase costs automatically. You can adjust them, for example when no estate agent’s commission applies.

The more accurate your information is, the more useful the initial estimate will be.

The estimated monthly payment helps you assess whether the selected mortgage could be manageable within your monthly budget.

In addition to the mortgage payment, remember to allow for ongoing property costs such as heating, electricity, water, insurance, maintenance and property taxes.

The result is an initial estimate and does not replace an individual affordability assessment or personal mortgage advice.

Consider how much you can comfortably repay each month, how quickly you want to reduce the mortgage and how much interest-rate certainty you need.

A higher repayment rate generally increases the monthly payment, but reduces the remaining balance more quickly. A longer fixed-rate period provides greater planning certainty, although it may come with a higher interest rate.

You can test different values in the calculator to see how they affect your monthly payment and remaining balance.

The calculator provides an initial estimate based on your information and average indicative financing conditions.

Actual mortgage rates and terms depend on factors such as the property, your income, available equity, credit profile and the selected financing provider.

The result therefore serves as guidance and is not a binding financing offer.

Additional purchase costs include expenses such as property transfer tax, notary and land-registry fees and, where applicable, an estate agent’s commission.

Depending on the location and purchase, these costs can amount to around 10–15% of the property price and usually need to be covered with equity.

The calculator includes an initial estimate that you can adjust to reflect your actual situation.

Ideally, your equity should at least cover the additional purchase costs.

Contributing around 20% of the property price in addition to these costs can improve your chances of receiving more favourable mortgage terms.

Financing with less equity may still be possible, but lenders may apply higher interest rates because they are financing a larger share of the property value.

The loan-to-value ratio shows what percentage of the property’s lending value is financed through the mortgage.

It is calculated by dividing the mortgage amount by the lending value determined by the bank and multiplying the result by 100.

For example, if the mortgage is €240,000 and the lending value is €300,000, the loan-to-value ratio is 80%.

A lower loan-to-value ratio generally means that more equity is included in the financing and may lead to more favourable mortgage terms.