Mortgage calculator

Ready to make your dream of owning a home a reality? Then you’ve come to the right place: AXA offers mortgages at competitive rates. 

But the big question is ‒ can your finances handle the cost of your dream property? The answer depends on the purchase price, how much you have for a down payment and your gross income. 

Our mortgage calculator has the answer. With just a few clicks you can see how much house you can buy and what mortgage you can afford. Let’s get started.


How affordability is calculated

There are several factors that go into financing a property. Would you like to know more about how our mortgage calculator determines affordability? We can explain how it works.

Whether you can afford a new house or apartment and take out a mortgage with us depends on the following factors: 

  1. What is the price of the place you want to buy?
  2. How much do you have for a down payment on the house?
  3. What is the annual income of your household?

After you enter all these parameters and your age and click on “calculate affordability,” you will be shown a rundown of your financing situation. The green bar means you can easily afford the house. The blue bar means we would be happy to discuss the feasibility of financing with you. 

The overview gives you an affordability analysis. 

  • The theoretical interest rate shows you what interest rates were used to calculate affordability. It’s important to note that these interest rates are not the rates that are used for your mortgage.
  • The monthly installment includes the costs of the mortgage each month.
  • The amortization shows how much you have to pay each month to pay down the mortgage amount.
  • Additional costs and maintenance show you how much you should budget for these expenses every month. 
  • The monthly payment shows you how much your home will cost you given the conditions you entered (monthly installment plus amortization plus additional costs / maintenance). 
  • The annual payment is the sum of the monthly costs for one year. 
  • The debt to income ratio shows you the percentage of the gross income you entered that is spent on yearly debt payments. This should not be higher than 33 percent.

Is your result green? Then here’s what you do next.

Congratulations! Based on the information you entered, you are eligible to take out a home loan from AXA. Contact our experts to set up an appointment to discuss your situation, and together we determine the ideal mortgage (fixed or variable) for you.

Phone: +41 58 215 38 46


AXA works with several mortgage lenders, which means we can offer you a broad selection of different mortgage options, including home loans from AXA and financing from our mortgage partners. So together we can choose the solution that best suits your personal situation. 

Is your result blue? Here’s what you should do.

If you didn’t get a green bar, don’t be discouraged. This doesn't mean that we won’t give you a home loan. We will be happy to take a closer look at your financial situation in order to work out potential financing solutions. Give us a call.

Phone: +41 58 215 38 46

AXA & You

Contact Report a claim Broker Job vacancies myAXA Login Customer reviews Garage portal myAXA FAQ

AXA worldwide

AXA worldwide

Stay in touch

DE FR IT EN Terms of use Data protection / Cookie Policy © {YEAR} AXA Insurance Ltd