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Mortgage Calculators

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.

person using mortgage calculator

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?

Easy to use

Our calculators are easy to use and can be accessed from any device. Simply enter your details and we'll do the rest.

Accurate results

Our calculators use the latest data from the UK's top lenders, so you can be sure that you're getting accurate results.

Free to use

Our calculators are free to use, so there's no risk in trying them out.

Here are some additional tips for using our mortgage calculators

Make sure you have all of your financial information ready before you start. This will include your income, outgoings, credit score and deposit amount.

Be realistic about your budget. Don't forget to factor in things like stamp duty, legal fees and other costs.

Compare different deals from a variety of lenders. This will help you find the most suitable interest rate and terms for you.

Don't be afraid to ask for help. If you're not sure how to use our calculators, or if you have any questions, our team is here to help.

We hope you find our mortgage calculators helpful. Good luck with your homebuying journey!

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.