UK mortgage calculators
Plan a purchase, remortgage, or buy-to-let case with transparent formulas and editable assumptions. Results are estimates, not lender decisions or regulated advice.
Mortgage Repayment
Estimate repayment mortgage payments from loan, rate, and term.
Affordability
Build an indicative borrowing range from income and commitments.
Buy-to-Let Affordability
Model expected rent, ICR, stress rate, maximum loan, and yield.
Remortgage Savings
Compare interest, fees, ERCs, payments, and break-even.
Stamp Duty
Estimate SDLT, LBTT, or LTT for the purchase.
Loan to Value
Calculate the proposed loan-to-value percentage.
Overpayment
Estimate term and interest changes from regular overpayments.
Early Repayment Charge
Estimate an early repayment charge from balance and rate.
Buy vs Rent
Compare user-defined buying and renting scenarios.
Which tool should you use first?
- Buying a home: start with affordability, then model LTV, 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 calculators cannot decide
A calculator cannot know which lender will accept the applicant, income, deposit, credit history, property, tenancy, or legal title. It also cannot recommend a product, fixed period, ownership structure, or debt-consolidation decision.
Use the output to prepare questions and compare consistent scenarios. For an application route, obtain advice from an FCA-authorised mortgage broker.
Move from an estimate to an eligible product search
MortgageConnector introduces you to one FCA-authorised broker based on the case details you provide. The introduction is free for consumers.
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