Calculators
Mortgage Calculators
Working out the cost of a mortgage can be tricky with so many options available. Our calculators are designed to simplify the numbers, whatever stage you're at.
A mortgage is a major financial commitment, and with the amount of options available, it can be challenging to determine the exact cost.
How much could I borrow?
Enter your income, any monthly credit commitments and your deposit for an indicative borrowing range.
Bonus, overtime, commission or second job, where a lender will consider it.
Loans, car finance and credit card repayments.
Indicative borrowing range
£160,000 – £220,000
Based on lenders typically working between 4 and 5.5 times total income, reduced by the credit commitments entered. Some lenders stretch further for certain professions or higher earners.
Estimate only — figures are for guidance and are not a mortgage offer. What you can actually borrow depends on a full lender assessment of your income, outgoings, credit history and the property. Initial advice is free; if you proceed, a fee typically between £199 and £299 may apply and will always be agreed with you before any application.
This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances.
Mortgage repayment calculator
Enter your loan amount, interest rate and term to see what your monthly payment could look like.
Estimate only — figures are for guidance and are not a mortgage offer. What you can actually borrow depends on a full lender assessment of your income, outgoings, credit history and the property. Initial advice is free; if you proceed, a fee typically between £199 and £299 may apply and will always be agreed with you before any application.
This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances.
Mortgage term calculator
See how stretching or shortening the term changes your monthly payment and the total interest you pay.
A longer term makes monthly payments more manageable, a shorter one clears the debt sooner and costs less overall. Lenders also consider your age at the end of the term.
Monthly payment by term
| Term | Monthly | Total interest |
|---|---|---|
| 20 years | £1,581.62 | £129,590 |
| 25 years | £1,389.58 | £166,874 |
| 30 years | £1,266.71 | £206,017 |
| 35 years | £1,183.14 | £246,920 |
Choosing 35 years over 20 lowers the monthly payment by £398.48 but costs about £117,330 more in interest over the life of the mortgage.
Estimate only — figures are for guidance and are not a mortgage offer. What you can actually borrow depends on a full lender assessment of your income, outgoings, credit history and the property. Initial advice is free; if you proceed, a fee typically between £199 and £299 may apply and will always be agreed with you before any application.
This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances.
Buy-to-let mortgage calculator
Check the loan to value, gross yield and whether the expected rent covers a lender's stress-tested interest.
Buy-to-let lenders usually cap borrowing at 75–80% of the property value.
Lenders test affordability at a higher rate than the one you'd actually pay.
Below the 125% cover most lenders look for — a larger deposit or higher rent would usually be needed.
Estimate only. Most buy-to-let lending is not regulated by the Financial Conduct Authority. Lender rental stress tests, tax position and product fees vary — figures here are for guidance and are not a mortgage offer. Initial advice is free; if you proceed, a fee typically between £199 and £299 may apply and will always be agreed with you before any application.
This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances.
Whether you're a first-time buyer, a home mover, or interested in purchasing an investment property, our mortgage calculators simplify the process for you.
This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances.
Other calculators
Mortgage Calculator FAQ
What is a mortgage calculator?
A mortgage calculator is a tool that provides you with an estimate of how much you could borrow from a lender for a mortgage in the UK.
Who is a mortgage calculator for?
Our mortgage calculators are for those either looking to buy their first home, remortgage, move home, or purchase an additional property.
Will a mortgage calculator affect my credit score?
No. Using our mortgage calculators will have no impact upon your credit score.
Frequently asked questions
Speak to a Mortgage Adviser
Get expert, advice across a comprehensive panel of 80+ lenders tailored to your situation. We'll find the right deal — and any costs are always agreed upfront.
Qualified Advisers • Comprehensive lender panel • Costs always agreed upfront