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Calculator hub

UK mortgage calculators

Work through payments, borrowing, property costs and protection needs. Each calculator shows its assumptions; none is a lender offer or personal recommendation.

01

Mortgage repayment calculator

Estimate monthly mortgage payments from your loan, interest rate and term. Compare repayment and interest-only illustrations and print your results.

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02

Indicative borrowing calculator

Explore income-multiple borrowing estimates and change the assumptions. This calculator is a planning tool, not a lender affordability decision.

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03

Loan-to-value calculator

Calculate mortgage LTV and the deposit or equity before costs. See how changing the property value or loan affects your planning figures.

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04

Mortgage overpayment calculator

Estimate how monthly overpayments could reduce interest and shorten a repayment mortgage. Explore the assumptions and print a summary.

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05

Mortgage fee comparison calculator

Compare a mortgage with a product fee against a fee-free deal over the same period, including the option to add the fee to your mortgage.

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06

Stamp duty calculator

Estimate residential SDLT for an individual buying in England or Northern Ireland. Select the relevant buyer assumptions and read the exclusions.

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07

Rental yield calculator

Calculate gross rental yield from the rent and property price. Explore a starting figure for a buy-to-let purchase before finance, costs and tax.

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08

Protection cover gap calculator

Estimate a starting protection gap from debts, household needs, savings and existing cover. Use the illustration to prepare for a protection review.

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09

Offset mortgage calculator

Illustrate how offset savings could reduce mortgage interest. Compare the assumptions, liquidity needs and trade-offs before discussing an offset mortgage.

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