Current for 2026•As of: July 2026

Mortgage Calculator plan your financing.

Calculate total costs, financing needs and monthly instalment for your property purchase.

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Property

€
100,000 €2,000,000 €
€
0 €200,000 €
%
0.00 %7.14 %

Financing

€
0 €500,000 €
€
2,000 €20,000 €

Equity recommendation

Ideally, you should bring in 20-30% of the purchase price as equity. This lowers the interest rate and makes the financing more secure. Additional costs should always be paid from equity.

Monthly instalment

2,027.74 €

at 4.4% interest, 2.2 % repayment

The financing exceeds the recommended affordability limit.

Recommended instalment (35%)1,750.00 €
Max. instalment (40%)2,000.00 €

Financing overview

Total cost448,680 €
- Equity80,000 €
= Financing need368,680 €

Additional purchase costs

Property transfer tax (6.5%)26,000 €
Notary fees6,400 €
Land registry fees2,000 €
Broker commission14,280 €
Total additional costs48,680 €

Key figures

Loan-to-value ratio

92.2 %

Equity ratio

17.8 %

Total interest

239,988 €

Term

25.1 years

Total cost breakdown

  • Repayment(56.1 %)368,680 €
  • Total interest(36.5 %)239,988 €
  • Additional purchase costs(7.4 %)48,680 €

Note on the interest rate indication:

The displayed interest rate is an indication based on the loan-to-value ratio. Actual interest rates may differ. Contact a bank for binding offers.

Important note

These calculations are for non-binding information only and do not replace professional tax advice. All information without guarantee. Learn more

Sources & calculation basis

Our calculations are based on the following official sources (as of: July 2026):

Related guides

Renting vs. BuyingFinancing a Home

Understanding mortgage financing: how to plan it right

A mortgage is more than just a loan for a property. Besides the purchase price, you also need to budget for the additional purchase costs - and these can be substantial depending on the state and your situation.

The most important factor for good interest rate conditions is the loan-to-value ratio: the less of the property value you need to finance, the cheaper the loan.

The key figures at a glance

Equity ratio
At least 20% of the total requirement, ideally 30%. Additional costs should always come from equity.
Loan-to-value ratio
Under 60% = best rates. Up to 80% = good conditions. Over 100% = surcharges.
Monthly burden
Max. 35-40% of net income for housing costs. Plan a buffer for repairs.
Additional purchase costs
10-15% of the purchase price for property transfer tax, notary, land registry and broker.

Example calculation: €400,000 property in North Rhine-Westphalia

€400,000 purchase price, €80,000 equity

€400,000 purchase price, €80,000 equity
ItemAmount
Purchase price€400,000
Property transfer tax (6.5%)€26,000
Notary + land registry€8,400
Broker (3.57%)€14,280
Total cost€448,680
- Equity€80,000
Financing need€368,680

How to lower your financing costs

  1. Build up more equity: Every additional euro lowers the loan-to-value ratio and improves the conditions.
  2. Compare states: Bavaria has the lowest property transfer tax at 3.5%, NRW/Brandenburg 6.5%.
  3. Negotiate the broker fee: Since 2020, buyer and seller share the commission. Without a broker, you save 3-7%.
  4. Agree on special repayments: 5-10% special repayment per year should be possible free of charge.

Equity: the key to affordable financing

Equity is the most important factor for a secure and affordable mortgage. The golden rule: you should be able to pay at least 20% of the purchase price plus all additional costs from your own funds.

For a purchase price of €400,000, that means: €80,000 + approx. €50,000 in additional costs = €130,000 in equity for solid financing.

Sources of equity

Savings
Overnight deposits, fixed deposits, savings accounts - the classic path to equity.
Building society savings contract
Accumulated savings plus a low-interest building society loan.
Family support
Gifts or private loans from parents/relatives.
Sweat equity
Manual labour you do yourself (max. 10-15% of the construction cost).

Frequently asked questions about mortgage financing

Everything important about equity, additional purchase costs and financing

Experts recommend at least 20-30% of the purchase price as equity. The additional purchase costs (approx. 10-15%) should always be paid from equity, since banks do not finance them. The more equity you have, the better the interest rate conditions you receive.

Additional purchase costs include: property transfer tax (3.5-6.5% depending on the state), notary fees (approx. 1.5%), land registry fees (approx. 0.5%) and, if applicable, broker commission (3-7%). These costs come on top of the purchase price and usually must be paid from equity.

The loan-to-value ratio indicates what percentage of the property value you are financing. Under 60% gets you the best rates, up to 80% still good conditions. Over 100% (full financing), interest rates are significantly higher and the risk increases.

The rule of thumb: a maximum of 35-40% of net household income for housing costs including loan instalment, utilities and maintenance. At €5,000 net, that is €1,750-2,000. Also plan reserves for unforeseen expenses.

The term depends on what you can afford. Shorter terms (15-20 years) mean higher instalments but lower interest costs. Longer terms (25-30 years) lower the instalment but significantly increase the total cost. A good compromise: 25 years with a special repayment option.

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