Are you looking to buy a new home?
Our mortgage calculators can help you plan your finances and find the most suitable deal for you.
Mortgage repayment calculator
Compare different mortgage deals from over 74 of the UK’s top lenders. Just enter some basic details about your property, income and deposit, and we’ll show you the available options that suit your needs
You can also see how changing the term, type or amount of your mortgage can affect your monthly payments and interest rate.
How much can I borrow calculator
Get an estimate of how much you could borrow based on your income, loans, and deposit. This can help you narrow down your property search and set a realistic budget.
Stamp duty calculator
See how much stamp duty land tax (SDLT) you’ll have to pay when buying a property in England or Northern Ireland.
Stamp duty is a tax that applies to properties over a certain value and varies depending on whether you’re a first-time buyer, a home mover or a buy-to-let investor. You can also check the stamp duty rates for Scotland and Wales, which have different systems.
Why use our mortgage calculators?
Here are some additional tips for using our mortgage calculators
Mortgage Calculator FAQs
The amount you can borrow for a mortgage will depend on several factors, such as your income, your outgoings, your credit score and the size of your deposit. We deal with a panel of 74 lenders who offer mortgages to all different types of customers including adverse credit, buy to let and self-employed. It’s always best to talk to us and we can advise you on your personal circumstances.
A mortgage calculator is a tool that can help you estimate how much you can borrow for a mortgage, as well as your monthly repayments. It considers your income, your outgoings, and the size of your deposit.
A mortgage calculator works by first calculating your monthly disposable income. This is the amount of money you have left after you have paid for your essential outgoings, such as your rent or mortgage, dependants, and food. The calculator then multiplies your monthly disposable income by a multiple that is determined by your lender.
This multiple is typically between 4 and 4.5 times your salary. The calculator will also consider the size of your deposit and the interest rate on your mortgage.
Interest rates are the cost of borrowing money. They are expressed as a percentage of the amount you borrow. For example, if you have a mortgage with an interest rate of 5%, you will pay 5% of the amount you borrow in interest each year.