UK mortgage calculators
Work out a repayment, a borrowing range, stamp duty or a remortgage before you speak to anyone. The results follow the numbers you enter. They are examples, not a lender's decision. Worked examples for common loan sizes are on the mortgage amount pages.
Mortgage Repayment
See a monthly repayment from the loan, rate and term you enter.
Affordability
See a rough borrowing range from income and commitments.
Buy-to-Let Affordability
See how rent and a stress rate affect a buy-to-let example.
Remortgage Savings
Compare staying on your current deal with moving to a new one.
Stamp Duty
Estimate England and Northern Ireland SDLT. Scotland and Wales have their own calculators.
Loan to Value
See the loan as a percentage of the property price.
Overpayment
See how a regular overpayment can change the term and the interest.
Early Repayment Charge
Estimate an early repayment charge from the balance and the rate.
Buy vs Rent
Compare a purchase and a rent using figures you enter.
More tools
Which tool should you use first?
- Buying a home: start with affordability, then look at loan-to-value, repayments and property tax.
- Remortgaging: check the current balance, ERC, LTV, and the total-cost remortgage comparison.
- Buy-to-let: use the rental stress calculator before assessing tax and operating cash flow separately.
What a calculator leaves to a broker
These tools show the arithmetic from the figures you type. A lender still decides whether to lend, using your income, deposit, credit history and the property. A calculator also cannot recommend a mortgage.
Use the results to prepare your questions. If you want personalised advice, speak to an FCA-authorised mortgage broker.
Want a broker to look at your own numbers?
We can match you with one FCA-authorised broker. MortgageConnector introduces you. The introduction is free for you.
Speak to a mortgage broker