Base Rate: 3.75% | CPI Inflation: 3.1% | Next MPC Review: —

Free Calculators

Free mortgage calculators

Instant estimates for borrowing, repayments, stamp duty, overpayment savings and deposit, no sign up required.

Borrowing calculator

How much can I borrow?

Find out roughly how much you could borrow based on your income, outgoings, and buyer type. Takes under a minute.

Step 1 of 4, Buyer type
First time buyer
Home mover or remortgage
Just me
2 people
3 people
4 people
£
£
£
£
£
Borrowing estimate
Complete the steps to see
your borrowing estimate
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Repayment calculator

What are my monthly payments?

Find out your monthly cost based on mortgage amount, interest rate and term. Toggle between repayment and interest only.

£
%
yrs
Monthly interest
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Interest only — capital unchanged
Annual interest cost
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Total interest (full term)
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Indicative estimate only. Rates and availability subject to lender criteria. Your home may be repossessed if you do not keep up repayments on your mortgage.
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Deposit calculator

How much deposit do I need?

Calculate the deposit needed for your target property, see how it affects your LTV and rate band, and find out how much to save each month.

£
A 10% deposit typically unlocks significantly better rates than 5%. Even a small increase in deposit can make a meaningful difference to your monthly payments.
Deposit breakdown
Deposit amount needed
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Remaining mortgage
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LTV
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90% LTV = Standard rates
Savings needed per month
1 year
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2 years
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3 years
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5 years
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This is an illustrative estimate. Lender requirements may vary. Speak to an advisor for personalised deposit guidance.
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Stamp duty calculator

How much stamp duty will I pay?

Calculate how much Stamp Duty Land Tax (SDLT) you’ll pay on your purchase. Rates updated from 1st April 2025.

England / N. Ireland
Scotland
Wales
First time buyer
Moving home
Additional property
£
Stamp duty estimate
Total stamp duty
£7,500
Stamp Duty Land Tax (SDLT)
Effective rate: 2.50%
Tax bandRateTax due
Rates effective from 1st April 2025. This is an estimate, confirm with your solicitor before exchange. Additional property surcharge of 5% applies from 31st October 2024.
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Overpayment savings

How much could I save by overpaying?

See how much time and money you could save by making regular monthly overpayments, with a chart showing your mortgage balance over time.

£
%
yrs
£
£
Enter 0 if no lump sum
Balance over time
Time saved
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Overpayment impact
You could save
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in interest payments
Without overpayments
Monthly payment
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Payoff date
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Total interest
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With overpayments
Monthly payment
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New payoff date
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Total interest
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Year by year balance
Year Without overpayment With overpayment Difference
This is an estimate. Check your mortgage terms for any early repayment charges before making overpayments. Calculations assume a fixed rate for the full term.
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Free consultation

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