Mortgage calculators

Estimate what you could borrow against a Japanese property based on your income — then, once you’ve found a place, switch across for the indicative rate and monthly repayment on it.

Choose a calculator

How much could you borrow?

A quick, indicative estimate of what you could borrow against a Japanese property, based on your income. Everything runs in your browser — the figures you enter are never sent to us unless you put them in the enquiry form below.

Your income

Your monthly income after tax

Partner’s monthly income optional

Other monthly income optional

Rent from the property optional

Your commitments monthly · optional

Mortgages, credit-card minimums, personal or car finance that will continue.

Your loan

Loan term

Interest rate —

How the loan is paid down

Balance owing Payments remaining

Estimate your repayments

Found a property? Estimate the maximum loan against it, the indicative rate and your monthly repayment. The calculation runs entirely in your browser: the figures you enter are never sent to us unless you put them in the enquiry form below. We record only which steps are reached, so we can improve the tool.

The property

Property value

Purchase price or independent valuation, whichever is lower.

Intended use

Second homes and short-term rentals are capped at 50% LTV rather than 65%.

Age of the building years

Years since construction — 0 for a new build. The loan cannot run beyond 50 years from construction, so an older building shortens the available term.

The loan

Loan-to-value %

Loan amount

Set the loan directly and the loan-to-value above follows, or move the slider and this follows.

Loan term years

Your age today

Repayment type

How the loan is paid down

Balance owing Payments remaining

How the rate is built

Eligibility at a glance

A quick guide against our published criteria — not a lending decision. Every case is subject to full assessment.

Have an adviser review your numbers

Leave your details and a member of the YEN LOANS team will be in touch within one Tokyo business day. Only what is in this form when you submit it is sent to us; your other calculator figures stay in your browser.

Email an adviser

Or write to inquiry@yenloans.com and a member of the team will pick it up.

How the estimates work

Borrowing power

Based on your income, less your existing commitments, and assessed against YEN LOANS’ lending criteria. Loans run from ¥15M to ¥525M, over terms of up to 35 years.

Loan against a property

Up to 65% of an independent valuation. The cap is 50% for second homes, short-term rentals and loans over ¥250M.

Rate

1-month TIBOR + 3.50%, reset monthly. A premium applies to loans over ¥150M and during an interest-only period.

All figures are indicative and are not an offer of finance. Whether we lend, and how much, is subject to credit assessment, valuation and final approval.