How to find remaining mortgage balance on a property?

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When it comes to managing your mortgage, it’s important to have a clear understanding of the remaining balance on your property. Knowing the remaining mortgage balance can help you make informed financial decisions, such as refinancing, selling the property, or planning for future payments. In this article, we will explore different methods to find the remaining mortgage balance on a property.

Contact Your Lender

First and foremost, contacting your lender is the most straightforward way to obtain the remaining mortgage balance. Your lender will have all the necessary information regarding your mortgage, including the outstanding balance. You can reach out to them via phone, email, or by visiting their local branch. Be prepared to provide your loan account number and any other identifying information they may require.

Check Your Mortgage Statement

Another method to find the remaining mortgage balance is by reviewing your mortgage statement. This statement is typically sent to you on a monthly or quarterly basis by your lender. It contains important information about your mortgage, including the remaining balance, interest rate, and payment history. Look for a section labeled “Outstanding Balance” or “Principal Balance” to find the amount you still owe on your mortgage.

Online Account Access

If you have an online account with your lender, you can often find the remaining mortgage balance by logging in and navigating to the mortgage section. Lenders usually provide a detailed overview of your mortgage, including the outstanding balance, payment history, and other relevant information. If you haven’t set up an online account, consider doing so to have easy access to your mortgage details.

Use a Mortgage Calculator

If you have specific details about your mortgage, such as the original loan amount, interest rate, and term, you can use a mortgage calculator to estimate the remaining balance. Mortgage calculators are available online and allow you to input these details to calculate the remaining balance based on your payment history. While this method may not provide an exact figure, it can give you a rough estimate of the remaining mortgage balance.

Hire a Professional

If you prefer a more hands-off approach or find it challenging to obtain the remaining mortgage balance on your own, you can hire a professional to assist you. Mortgage brokers, financial advisors, or real estate professionals can help you navigate the process and provide accurate information about your mortgage balance. Keep in mind that there may be fees associated with hiring a professional, so consider this factor before proceeding.


In conclusion, finding the remaining mortgage balance on a property is crucial for effective financial planning. By contacting your lender, reviewing your mortgage statement, using online account access, utilizing mortgage calculators, or seeking professional assistance, you can obtain the necessary information to make informed decisions about your mortgage.


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