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Mortgage Affordability Calculator

Estimate how much you can afford to borrow for your next investment.

S$
?
S$
S$
Max Property Value (Purchase Price)S$230,564
Max Loan
S$180,564
Interest /mo
S$828
Deposit creates a 21.7% LTV
Warning: Most Buy-to-Let mortgages require a 25% minimum deposit. You may need more cash to buy a property at this valuation.
ICR Validation: Your expected rent (S$1200) is exactly 145% of the calculated interest payment (S$828), meeting the lender stress test.

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Frequently Asked Questions

Interest Coverage Ratio. Traditional residential mortgages check your personal income. BTL mortgages instead check if the rental income comfortably covers the mortgage interest. A 145% ICR means the rent must be 1.45x higher than the mortgage interest payment.

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Disclaimer: These calculators are provided for preliminary educational estimations and screening purposes only. Actual real estate figures may vary significantly based on shifting local legislation, specific regional tax requirements, dynamic interest rates, and volatile market conditions. Always consult with a certified financial advisor, tax specialist, or legal professional before executing any binding investment decisions or assuming financial risk.