Mortgage Calculators
Before buying your first home, moving house, or remortgaging, it's essential to get a clear picture of your finances. Our free mortgage calculators makes it easy to get started. With these handy tools, you can:
- See how much you may be able to borrow.
- Check how much stamp duty you might need to pay.
- Find out what your mortgage overpayments could be.
Want help understanding mortgage terms? Explore our glossary.
Mortgage Calculators
Find all of our easy-to-use mortgage calculators here.
How Much Can I Borrow?
Discover how much a lender might let you borrow.
Stamp Duty Calculator
Find out how much Stamp Duty Land Tax you might pay.
Overpayment Calculator
Learn how extra payments could save you money and shorten your mortgage.
Important information to note!
- Your property may be repossessed if you do not keep up repayments on your mortgage.
- Using our mortgage calculators or rate comparison tools will not affect your credit score.
- These tools are for guidance only and do not replace financial advice.
- Your actual mortgage offer may be different from these estimates. Lenders will look at your credit history, spending, and other factors before deciding.
- Always talk to a qualified mortgage adviser for advice that’s right for you and your needs.
- Mortgage products and rates can change at any time, for example if the Bank of England base rate changes or if the government updates policies.
- Our mortgage advice is fee-free. Third-party fees may apply during the home buying process.
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Frequently Asked Questions
A mortgage calculator is an online tool that helps you see:
- Monthly payments
- How much you can borrow
- Stamp Duty costs
- Savings from overpayments - Different payment options for various loan terms.
It’s a useful way to compare different mortgage offers and plan your home financing effectively.
They provide good estimates based on common lender guidelines. However, your final offer will depend on:
- Your income and expenses
- Your credit history
- The type of loan and the term you choose
- The property you want to buy
It helps you estimate how much Stamp Duty Land Tax you might need to pay when buying a property. You’ll enter details like where the property is, how you’ll use it, whether you already own a home, and the price. Stamp Duty rules can change, so this is just a guide.
It shows how paying extra each month on your mortgage could help reduce the time it takes to pay it off, and how much interest you might save. It’s a guide only — check with your lender first, as some lenders may impose early repayment charges.
It gives you an estimate of your monthly mortgage payments based on the amount you borrow, the interest rate, and how long the mortgage runs for. It also shows the total you might repay over time, including interest. This is just a guide and doesn’t include other costs like fees or insurance.
It gives a rough idea of what a lender might let you borrow based on your income (and your partner’s, if you add it). The actual amount depends on things like your spending, credit history, and the lender’s own rules.
It gives an estimate of how much you might be able to borrow for a rental property, based on things like rental income, the interest rate, and whether you’re applying personally or through a limited company. Your tax rate is also factored in. Actual lending amounts vary by lender.
It works out how much rent you might need to charge on a buy-to-let property to meet a lender’s typical requirements. It uses details like the mortgage amount, interest rate, and your tax band. Different lenders may use different rules, so this is only a guide.