LTV
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Tool
Expat mortgage affordability planner
These are illustrative affordability metrics. They are not a statement that you qualify for a mortgage.
Calculator
WiT Access tools are for illustration, planning and record-keeping only. They do not constitute financial, tax, legal, immigration, insurance, mortgage or investment advice. Rules, eligibility and provider terms vary by jurisdiction and circumstances.
Use this output to prepare questions for a qualified professional.
Optional. A second rate you want to test.
Not saved yet. Nothing is sent to WiT Access.
Illustrative monthly repayment
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Standard repayment calculation from the rate and term you entered.
Repayment at stress rate
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Debt service ratio
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Repayment plus other commitments, as a share of monthly gross income.
How to use this
- Enter price, deposit or loan amount, term and an interest rate you want to test.
- Add a stress rate if you want a second illustration.
- If income and the loan are in different currencies, read the mismatch note before using the ratio.
What this tool does
- Calculates LTV and an annuity-style repayment from the rate and term you enter.
- Shows the same repayment at your stress rate.
- Compares the repayment with monthly income when the currencies match.
What this tool does not do
- Say that you qualify.
- Approve a mortgage.
- Predict an exchange rate or a lender’s rate.
Related tools
- Property purchase cost estimatorAdd purchase costs from figures you enter, including tax and fees you have been given.
- Mortgage currency checkerIllustrate a mortgage payment as a share of income at two exchange rates you enter.
- Income currency plannerSee how income and expenses sit across currencies, using rates you enter.