Maisonflex
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Illustrative calculator

How much could your home unlock?

Move the inputs to see your indicative maximum, monthly payments, and how much equity is preserved for your heirs. All figures are illustrative — they are not a quote, offer or recommendation.

Homeowner

Your situation

68 years

For couples, use the age of the younger borrower.

Indicative product
Partial amortising · Maisonflex

Amortises down to ~20% of projected home value at age 80, at which point the residual is refinanced into the reverse-mortgage market.

Max total LTV at your age46,9%Reflects how long the loan can compound until expected exit.
Your current mortgage LTV13,3%Outstanding mortgage ÷ property value.
Release headroom33,6%No NNEG loading — loan amortises.
12 years

Pay only interest for the first 1–3 years; amortisation resumes after that. Monthly payment will step up when the IO period ends.

6,50%
3,00%
15% → −1,25% coupon

Each year, the lender takes the chosen share of that year's appreciation, paid in cash — it does not accrue or compound. The scale is linear: 0% share = no discount; 30% share reduces the coupon by 2,50%. The share applies only to positive appreciation vs. the prior year.

Indicative maximum available
151.050 €
(80.000 € requested)
LTV ceiling
211.050 € (46,9%)
Less existing mortgage
− 60.000 €

Monthly payment

Amortising payment
671 €
Amortises down to 128.318 € at term end (≈ 20% of projected home value at age 80, refinanced into the reverse-mortgage market).
Appreciation share (avg / month)
200 €
Settled annually in cash — does not accrue to the balance.
Total monthly cash (after IO)
870 €
P&I plus average monthly appreciation settlement.

All-in cost

Base coupon
6,50%
Appreciation-sharing discount
− 1,25%
Effective coupon
5,25%
Effective APR
5,25%
Total interest over term
84.929 €
Total appreciation share paid
28.739 €
Total cash paid over term
125.349 €
Interest + appreciation share + principal repaid.

Balance vs. home value

Yr 0Yr 6Yr 12
Home valueLoan balanceEquity preservedRefinance target (20% LTV @ age 80)
Exit641.592 €
Residual balance to refinance: 128.318 €Equity preserved for owner / heirs: 513.274 €
Projected home value at exit
641.592 €
Residual balance at term end
128.318 €
Refinance target (20% LTV @ age 80)
128.318 €
Refinanced into the reverse-mortgage market at term end.
Equity preserved for owner / heirs
513.274 €

The loan amortises only as far as the level the reverse-mortgage market can refinance at age 80 — leaving substantially more equity available than a pure compounding lifetime product.

Talk to a specialist

Want a personalised illustration?

Book a callback with a Maisonflex specialist. Your inputs, credit profile and income will be reviewed by the relevant partner bank to produce a binding indication.

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Illustrative only. Figures shown are indicative estimates based on the inputs you provide and on modelling assumptions selected by Maisonflex. They do not constitute a quote, an offer, a personal recommendation or financial, legal or tax advice.

Actual eligibility, available amount, interest rate, fees and product terms will depend on full underwriting by the relevant Local Entity and partner bank, including credit assessment, verified income, property valuation, AML / KYC checks and other regulatory requirements. Credit scores and income levels may materially change the indicative rate and the maximum lending value.

Maisonflex is currently in the process of seeking authorisation in the jurisdictions in which it intends to operate; no binding offer is being made via this calculator. See our Regulatory information and Disclaimer for details.