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Mortgage Calculator

Find out what your real monthly repayment looks like — across NHF, MREIF, commercial, and diaspora products. The numbers banks don’t put in their adverts.

Tell us about the deal

Enter the full asking price, even if you’re negotiating it down.
10–30% of the price for most products.
NHF up to 30, MREIF up to 20, commercial 5–15.
Choosing a type auto-fills the rate. You can override below.
Override if you have a specific offer in hand.
We’ll check it against the 33–40% Debt Service Ratio rule.
Inside the safe zone
Your estimated monthly repayment
₦420,500
Loan principal₦48,000,000
Effective DSR25.5%
Total interest over loan life₦42,820,000
Total cost of ownership₦90,820,000
Comfortably within the 33–40% Debt Service Ratio that banks use to approve mortgages. Want to see if you can do better? A lower-rate instrument like NHF could save you millions.
Check My Eligibility → Talk to an Advisor
The honest fine print

Three numbers this calculator doesn’t show — and why they matter.

01

Perfection costs (10–20% of property value)

Stamp duty, Governor’s Consent, legal fees, registration. These are real, often invisible, and frequently underestimated. Budget for them upfront.

02

The “Diaspora Premium”

Foreign currency loans look attractive on paper, but FX risk over a 15-year tenor can be punishing. We model real-world FX scenarios in our paid mortgage advisory.

03

The right property at the right price

A great mortgage on the wrong property is still a bad investment. Numbers alone never close a deal — judgement does.

See what else you need →

This calculator provides indicative estimates only. Actual mortgage terms depend on the lender’s underwriting decision, current rates, your credit profile, and the specific property. Always confirm final figures with your accredited lender before committing. MyRealtyAdvisory is not a licensed mortgage originator.