mortgage calculators
Crunch the numbers in seconds.
Free, no-pressure tools to help you get your head around the figures — from what you could borrow to your likely repayments and stamp duty. When you want a number tailored to you, a real adviser is one call away.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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Free UK mortgage calculators.
Each one takes a minute and gives you a useful starting point. They’re estimates, not formal offers — but a great way to begin.
How much can I borrow?
Pop in your household income for a quick, free estimate of what lenders could offer — with no impact on your credit score.
Open calculatorMortgage repayment calculator
See roughly what your monthly payments could be for a given loan amount, interest rate and term — handy for budgeting.
Open calculatorStamp duty calculator
Work out the Stamp Duty Land Tax you’re likely to pay on a purchase, including the first-time buyer relief where it applies.
Open calculatorRemortgage calculator
Coming off a fixed deal? Get a feel for what a new rate could mean for your monthly payments before you switch.
Open calculatorEstimate vs Agreement in Principle
A calculator gives you an estimate — quick maths from the numbers you enter. An Agreement in Principle is a lender’s indication, based on your actual circumstances, that it would be willing to lend. Buying your first home? Start with our first-time buyer guide. Deal ending? Read up on remortgaging.
good to know
Helpful estimates — then the human bit.
A calculator can’t see your full picture the way an adviser can. Use these to get oriented, then let us do the rest.
A quick, friendly starting point
Our calculators give you a ballpark in seconds — perfect for getting your head around the numbers before you commit to anything.
A real adviser for the exact figure
Every lender assesses things differently. For a number tailored to your deposit and circumstances, a no-obligation chat with a named adviser beats any calculator.
Honest, jargon-free guidance
We explain what the figures actually mean in plain English — no pressure, no surprises, and we’re always upfront about any fees.
good to know
Calculator questions, answered.
Which mortgage calculator should I use first?
Start with the one that matches your next decision. Working out your budget? Try the borrowing calculator. Got a price in mind? The repayment and stamp duty calculators show you the monthly cost and the tax. Coming to the end of a deal? Head straight for the remortgage calculator.
Are mortgage calculators accurate?
They’re reliable estimates, not quotes. The maths is sound, but a calculator can’t see your outgoings, credit history or the deals lenders would actually offer you. Treat the results as a useful starting point, then speak to an adviser for figures based on your real circumstances.
Do these calculators affect my credit score?
No. None of our calculators run a credit check, so nothing is recorded on your credit file and your score is unaffected — use them as often as you like.
What’s the difference between a calculator estimate and an Agreement in Principle?
A calculator estimate is quick maths based on the numbers you type in. An Agreement in Principle (AIP) comes from a lender after a look at your actual circumstances, and shows sellers and estate agents you’re a serious buyer. Arranging an AIP is one of the first things we do after a no-obligation chat.
Do I need to give my email?
Only for some of them. The repayment and stamp duty calculators are instant — there’s nothing to enter but the numbers. The borrowing and remortgage calculators email you a copy of your results, so you’ll need to pop in an email address for those.
What should I have ready?
Not much — that’s the point. A rough idea of your household income, the price range you’re looking at, and for the remortgage calculator your current balance, rate and how long is left on your deal. Rough numbers are fine; an adviser will help you firm them up later.
ready for your real number?
A figure tailored to you.
Calculators give you a ballpark. A 20-minute chat with a named adviser gets you a personalised figure and your Agreement in Principle. No obligation, no pressure.