How your equity grows
Amortisation is saving: every month your debt shrinks and becomes your capital. See the loan shrink and the equity grow year by year, with a renovation if you like.
An assumption, not a forecast. We do not predict the market.
Years and renovation
0 = no renovation
A higher value lowers loan-to-value, which can cut the amortisation requirement
How we calculate
Unlike interest, amortisation is not money lost. It cuts your debt and becomes your equity in the home, money you get back the day you sell. The graph shows the loan shrinking and the equity growing.
The 70 and 50 percent thresholds
When loan-to-value passes 70 percent the requirement halves from 2 to 1 percent, and below 50 percent it disappears. You get there both by amortising and by the value rising, so a renovation that lifts the value can free up room in the monthly cost. The markers in the graph show where it happens.
Value growth is an assumption
We do not know how prices will move. The value growth and the renovation uplift are figures you choose, so you can see how different scenarios play out, not a forecast from us.
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