Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage calculators
UK mortgage calculators
Work out your monthly payments, how much you could borrow, the stamp duty on your purchase and more. Then talk to us about what the numbers mean for you.
- Updated for current UK tax rates
- England, Scotland, Wales and NI
- Free to use
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage repayments calculator
Work out your monthly payments and the total cost of borrowing.
- Total interest
- £0
- Total amount repayable
- £0
- If rates were 1% higher
- £0
Illustration only. Assumes the rate stays the same for the whole term, which is unlikely in practice.
Talk to us about your numbersHow much could I borrow? calculator
A quick estimate based on income multiples used by many lenders.
- Typical range (4x to 4.5x)
- £0
- Possible purchase price
- £0
- Loan to value
- £0
A guide only. Lenders assess affordability individually and some offer higher multiples for certain incomes or professions. Not a mortgage offer or agreement in principle.
Talk to us about your numbersStamp duty calculator
SDLT, LBTT and LTT for England, Northern Ireland, Scotland and Wales.
- Effective rate
- £0
| Band | Rate | Tax |
|---|
Based on current residential rates in England and Northern Ireland (SDLT), Scotland (LBTT) and Wales (LTT). It does not cover every relief or exemption, and your solicitor will confirm the exact amount due.
Talk to us about your numbersOverpayments calculator
See how overpaying could cut your term and your interest.
- Time you could save
- £0
- Current monthly payment
- £0
- New monthly payment
- £0
- Total interest with overpayments
- £0
Many lenders allow overpayments of up to 10% of the balance each year without an early repayment charge, but terms vary. Check with your lender before overpaying. Assumes the rate stays the same.
Talk to us about your numbersLoan to value calculator
Check your LTV and the deposit needed to reach the next band.
- Mortgage amount
- £0
- Deposit or equity
- £0
Lower loan to value bands can give access to a wider choice of mortgages. Lender bands and criteria vary.
Talk to us about your numbersRemortgage savings calculator
Compare your current rate with a new deal, after fees.
- Monthly payment now
- £0
- New monthly payment
- £0
- Monthly difference
- £0
- Upfront costs
- £0
Compares total payments and the balance left at the end of the deal for both options, less upfront costs. Illustration only. Rates shown are examples, not offers.
Talk to us about your numbersBuy to let rental cover calculator
How lenders' rental calculations could affect what you borrow.
- Rent needed for your loan
- £0
- Loan to value
- £0
- Gross rental yield
- £0
- Interest only payment
- £0
Lenders typically use 125% for limited companies and basic rate taxpayers and up to 145% for higher rate taxpayers, but criteria vary. Illustration only. Most buy to let mortgages are not regulated by the Financial Conduct Authority.
Talk to us about your numbersYour questions answered
Frequently asked questions
How accurate are these calculators?
They give a useful illustration based on the figures you enter, but they are not a mortgage offer or advice. Lenders assess every application individually, and rates, fees and criteria change regularly.
Which stamp duty rates do you use?
The stamp duty calculator uses the current residential rates for Stamp Duty Land Tax in England and Northern Ireland, Land and Buildings Transaction Tax in Scotland and Land Transaction Tax in Wales. It does not cover every relief or exemption, so your solicitor will confirm the final amount.
Can you go through the numbers with me?
Of course. Your initial consultation is free, and we are happy to talk through what the figures mean for your plans.
Free initial consultation
Want a second pair of eyes on the numbers?
Your first consultation is free and there is no obligation. Speak to Charlotte and the team by phone or online, at a time that suits you.