Trusted by thousands of users across Cyprus and the EU

Check My Loan - The Smartest Mortgage Calculator in Europe

Compare, optimize, and simulate your mortgage like never before. Trusted by thousands across Cyprus, Greece, and the EU.

  • Visualize your loan or mortgage with smart, interactive charts
  • Save years and thousands in interest with smart early repayments
  • Compare fixed, variable, and mixed interest rate scenarios side by side
Powerful Features

What You Can Calculate

From extra payment impact to interest fluctuations, our mortgage calculator helps you calculate, compare, and plan smarter.

Interactive Loan and Mortgage Simulator
Explore your entire mortgage with charts that show interest, principal, and early payoff.
  • Interactive charts for every loan scenario
  • Visual breakdown of interest vs principal over time
  • Estimate payoff date and monthly savings
  • Switch between fixed, variable, or mixed rates
Optimize Extra Payments and Save Years
Test different overpayment amounts to cut interest and finish your loan sooner.
  • See interest saved with extra payments
  • Compare monthly vs annual overpayment strategies
  • Fine-tune repayment timing to fit your budget
  • Simulate flexible vs fixed overpayment scenarios
Compare Multiple Scenarios Side by Side
Analyze multiple loan setups and pick the best one for your needs.
  • Simulate different interest rates and terms
  • Compare fixed vs variable rate outcomes
  • Create side-by-side views of savings and time
  • Use real-time charts to guide your decision
Save Time & Money

Why Extra Payments Matter

Paying just €100 extra per month can shave years off your mortgage and save you thousands in interest.

Most EU banks allow extra payments directly to the principal balance. This reduces the amount you owe faster, cutting down both your loan term and the total interest paid over time.

Example: €200,000 mortgage at initial rate of 4.87% for 30 years

  • Standard monthly payment: €795
  • With €100 extra per month: €895
  • Time saved: 4.5 years
  • Interest saved: €6,396

Extra Payment Impact

Chart showing impact of extra payments

Standard Plan

30 years

€137,741 interest

With Extra Payments

25.5 years

€131,345 interest

Interest rate simulation chart

Pessimistic

Balanced

Optimistic

Future-Proof Your Loan

Simulate Interest Rate Changes

Simulate how rising or falling interest rates affect your mortgage. Explore scenarios with fixed, variable, and mixed-rate loans, and see the impact on monthly payments, total interest, and loan duration.

Our tool models potential fluctuations based on pessimistic, balanced, and optimistic outlooks. Understand the potential range of your payments and plan accordingly.

Simple Process

How It Works

Our mortgage calculator is designed to be intuitive and easy to use, while providing powerful insights.

1

Choose Your Loan

Enter your loan amount, down payment, interest rate, and term to get started.

2

Simulate

See your monthly payments, amortization schedule, and total interest over time.

3

Optimize

Add extra payments and see how much time and money you can save on your mortgage.

4

Share or Export

Save your scenarios, compare them, and share or export detailed reports.

Learn As You Go

Understand Mortgages Better

Get clear explanations of mortgage terms, interest types, amortization schedules, and more.

Key Mortgage & Loan Concepts
Understand the difference between terms, amortization, LTV, and repayment strategies.
  • Loan term vs amortization: what’s the difference?
  • How is mortgage interest calculated?
  • When is it worth making early repayments?
EU & Cyprus Specific
Information tailored to European and Cyprus mortgage markets and regulations.
  • EU Mortgage Credit Directive insights
  • Cyprus-specific banking practices
  • Current Euribor rate information
Financial Literacy
Build your knowledge about mortgage types, interest rates, and payment strategies.
  • Compare fixed vs. variable rates
  • Understand amortization schedules
  • Learn about prepayment penalties

Start Optimizing Your Mortgage Now

See how interest, term, and extra payments affect your loan. It’s completely free.

Partnership Opportunities

Partner With Us to Elevate Your Brand

Offer this powerful mortgage tool under your own brand, with exclusive rights or strategic sponsorships. Trusted by financial institutions and advisors across Cyprus and the EU.

Most Popular

White-label Solution

Integrate our mortgage tool with your branding, colors, and contact info. Perfect for banks, real estate platforms, and consultants.

Exclusive Sector Rights

Secure exclusivity in your market or business vertical. Own the leading calculator in your region and stand out from competitors.

Sponsorship & Advertising

Sponsor the tool or place tasteful ads. Reach thousands of high-intent users making mortgage decisions.

Branded PDF report example

Custom Branding

Your Logo & Colors

Integration

Website Integration

Branded Reports

PDF Exports

Customization

Contact Information

Interested in partnering with us?

Reach out to explore custom integration, exclusivity, or sponsorship options tailored to your brand.