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AG Mortgage Bank PLC

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MORTGAGE CALCULATOR

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mortgage numbers

Estimate your monthly repayment, total interest, and loan breakdown instantly

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AG Mortgage Bank — Mortgage Calculator

Mortgage Calculator

Enter the property price and your upfront contribution — your summary updates live on the right

1
What is the price of the property you wish to buy?
Use the slider or type the exact amount below
₦50,000,000 property value
₦5M₦125M₦250M₦375M₦500M
Type exact amount
₦
How much are you paying upfront?
Your equity contribution (down payment)
₦10,000,000
20% of property
0%25%50%75%90%
Type % or amount
Your deposit ₦10M
Bank finances ₦40M
Your deposit cannot exceed the property value
2
How long would you like to repay?
Select a tenor or type a custom number of years
Custom:
Repaying over 10 years (120 monthly payments)
3
How old are you?
Your age determines which products you are eligible for
years old
Your age may affect eligibility for M-REIF and Standard (eligible ages: 21–54). Results are shown for reference.
In Plain Terms
Property price₦50,000,000
Your deposit₦10,000,000
Bank lends you₦40,000,000
Monthly payment₦0
Total interest₦0
Repay over10 years
Based on M-REIF at 12% p.a. NHF and Standard rates confirmed on application.
Deposit shortfall
Your deposit is below the minimum for some products
Start saving towards your goal
Individual Savings Plan Group Savings Plan

Your Estimated Monthly Payments

Estimates across our three mortgage products based on your inputs above. NHF and Standard rates are confirmed on application.

We will show you estimates for three mortgage products: M-REIF, NHF, and Standard. Click the i button on any product to see its key terms.
M-REIF
Fixed rate: 12% per annum
Eligible
M-REIF Key Terms
Max loan₦200,000,000
Max tenure20 years
Min equity20% of property value
Interest rate12% per annum
Eligible ages21–54 years
Est. monthly payment
₦0
Loan amount₦40M
Total repaid₦0
Interest cost₦0
Tenor used10 yrs
NHF
Rate on application
No age restriction
NHF Key Terms
Max loan₦50,000,000
Max tenure30 years (age-dependent)
Min equity10% of property value
Interest rateConfirmed on application
EligibleNHF contributors
Est. monthly payment
Rate confirmed on application
Loan amount₦40M
Max available₦50,000,000
Min equity10%
Tenor used10 yrs
Standard
Rate on application
Eligible
Standard Mortgage Key Terms
Max loan₦100,000,000
Max tenure7 years
Min equity30% of property value
Interest rateConfirmed on application
Eligible ages21–54 years
Est. monthly payment
Rate confirmed on application
Loan amount₦40M
Max available₦100,000,000
Min equity30%
Tenor used7 yrs max
We'll email your personalised repayment schedule
Get Your Full Breakdown
Enter your details and we'll email your personalised repayment schedule
By submitting this form, you agree to be contacted by AG Mortgage Bank PLC regarding your mortgage enquiry.
Breakdown sent!
We've emailed your personalised repayment schedule. Our team will follow up shortly.
⚠️
Deposit shortfall detected
Tap to see your savings plan
Individual Savings Group Savings

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mortgage journey?

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Important Notice: This calculator provides estimates for illustrative purposes only and does not constitute a mortgage offer, commitment, or financial advice by AG Mortgage Bank PLC. Actual interest rates, monthly repayments, and loan terms are subject to credit assessment, prevailing market conditions, CBN guidelines, and applicable regulatory requirements. Figures shown represent capital and interest repayments only and exclude insurance premiums, valuation fees, legal charges, and other associated costs. Please contact AG Mortgage Bank PLC directly for a personalised mortgage assessment and formal offer.