AI-powered mortgage assistant

Understand your mortgage — not just the monthly number

AI-powered comparisons of fixed, variable, and split-rate mortgages. Stress-test against rate rises. Ask the built-in AI assistant anything about your scenario. See what you actually pay over 30 years.

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Total cost of the home

Don’t just see the monthly payment — see total interest, total repaid, and the true 30-year cost of each home you might buy.

Rate-rise stress test

See exactly what your monthly payment becomes if rates rise +1%, +2%, or +3% when your fixed period expires — before you sign.

Local property rules

Accurate stamp duty, first-time buyer schemes (Help to Buy, First Home Scheme, FHSA, KfW…), and lender limits for 52 housing markets.

How much can you borrow?

Get a quick affordability estimate before you dive into the full analysis. We apply local lender rules so the number is realistic — not a generic global ratio.

Affordability check

Income, deposit and lender rules — combined into a realistic max purchase price.

Market

Your annual gross income

€

Co-borrower income (optional)

€

Deposit available

€

Existing monthly debt payments

€

Indicative mortgage rate (% p.a.)

Mortgage term (years)

Estimated max purchase price

€ 295,000

Max loan € 245,000 · monthly ≈ € 1,170

Binding constraint: Income multiple

Income cap

€ 245,000

3.5× regulatory

Affordability (DTI)

€ 427,650

35.00% of gross income

Deposit / LTV cap

€ 450,000

deposit ≥ 10.00%

Indicative only. Actual lender decisions consider credit history, employment status and stress-test buffers we don’t model here.

Free vs Full

Free

€0 / month

✓Monthly repayment estimate
✓Total interest & total cost over life of loan
✓Annual cost (12-month outlook)
✓Rate structure selection (fixed / variable / split)
✓Stamp duty calculation
✓Government scheme eligibility & picker
✓LTV band analysis
✓Affordability check vs lender income limits

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Full

Best value

€3.99 / month

✓Everything in Free
✓Side-by-side comparison of up to 4 scenarios
✓Rate-rise stress test (+0.5% to +3.0%)
✓Overpayment simulator with term savings
✓Cashback & clawback break-even analysis
✓Interest holiday / payment pause impact
✓Balance chart over time
✓Principal vs interest breakdown chart
✓IRR and money multiple (investor view)
✓Exit equity analysis at any year
✓AI-generated market rate cards
✓Interactive sensitivity sliders (rate, forward rate, term, deposit, cashback, holiday — combined live)
✓Cross-market comparison: fixed cash invested, market-average rate, selectable comparison currency
✓Buy-to-let analysis: IRR, cash yield, payback period and country-specific risk notes
✓Foreign-currency mortgage analysis with FX-stress scenarios
✓New-build vs secondary-market tax differentiation
✓Full-sheet PDF export with sticky always-accessible button