Calculators
Seven calculators. No email wall.
Everything here runs in your browser. Nothing is sent anywhere, nothing is stored and nothing asks for your details first. Use them, argue with them, and then come and talk to us if the numbers look interesting.
Calculator one
What could you borrow?
Lenders work to a multiple of the income they are prepared to count, reduced by your existing commitments - and then cap the loan at a percentage of the property value. This shows both limits, and tells you which one is actually binding.
You could borrow around
£0
- Property price you could reach£0
- Income a lender would count£0
- Payment at 4.79% over 30 years£0
- What is limiting you-
An illustration, not a quotation or an offer of credit. Lenders assess your full circumstances, including committed spending and dependants.
Getting a different answer from a bank's website? That is the point. Their calculator only knows their rules. Ask us what the other 120 say.
Get a real figureCalculator two
What will it cost a month?
The monthly payment, the total interest across the whole term, and the number most people never check - what the payment becomes if rates are a full point higher when you come to remortgage.
Monthly payment
£0
- Over a term of-
- Total interest paid£0
- Total amount repaid£0
- If rates were 1% higher£0
- That is-
Interest only keeps the balance where it started. You will need a credible plan to repay the capital at the end of the term.
Calculator three
How much stamp duty?
SDLT for England and Northern Ireland at 2026/27 rates, with first-time buyer relief and the 5% additional property surcharge. Scotland charges LBTT and Wales charges LTT on different bands, so use your national calculator for those.
| Band | Rate | Taxed at this rate | Duty |
|---|
Stamp duty to pay
£0
- Effective rate on the price0%
- Price plus stamp duty£0
Stamp duty is payable within 14 days of completion and cannot be added to the mortgage. Budget for it as cash.
Calculator four
Will the rent pass a lender's stress test?
Buy-to-let lending is decided by the interest cover ratio: annual rent against the mortgage interest calculated at a stressed rate, not the rate you will pay. The cover a lender demands depends on your income tax band.
Rent covers the stressed interest by
0%
- The lender wants at least125%
- Maximum loan this rent supports£0
- Rent needed for the loan you asked for£0
- Loan to value0%
A limited company purchase is often assessed at 125% regardless of your personal tax band. How company buy to let works.
Have us check the dealCalculator five
What does overpaying save?
Overpaying attacks the capital directly, so every pound removes all the future interest that pound would have cost. Small, consistent amounts do far more than people expect. Most fixed deals let you overpay 10% of the balance a year without penalty.
Interest you would save
£0
- Normal monthly payment£0
- With the overpayment£0
- Time cut off the mortgage-
- New time to clear it-
Check your annual overpayment allowance first. Going over it usually triggers an early repayment charge, which wipes out the benefit.
Calculator six
Is remortgaging actually worth it?
A better rate is only a better deal after the cost of getting to it. This nets the early repayment charge and the product fee off the saving, over the period you would actually hold the new rate.
Net benefit over the period
£0
- Paying now, each month£0
- Would pay, each month£0
- Monthly difference£0
- Saved over the period£0
- Cost of switching£0
Do not forget the free option: your existing lender's product transfer, which usually has no fees and no legal work. Transfer or remortgage?
Have us check itCalculator seven
The lowest rate is not always the cheapest deal
A lower rate with a large product fee frequently costs more than a higher rate with none, especially on a smaller loan. Compare two deals on what they actually cost across the fixed period, fees included.
Cheaper over the period
-
- Deal 1 monthly£0
- Deal 1 total including fee£0
- Deal 2 monthly£0
- Deal 2 total including fee£0
- Difference£0
What these calculators are, and are not
They are illustrations, built on typical lender behaviour, to help you understand how the numbers move. They are not quotations, they are not personal advice and they are not an offer of credit. No lender is bound by anything on this page. Your actual borrowing, rate and costs depend on a full assessment of your circumstances - which is free, and is what we are here for.
Start here
Liked the numbers? Let us check them properly.
Send us what you put in and we will tell you which lenders would agree with the calculator, which would be more generous, and what the real rate would be.
- The first conversation is free
- No credit check, no hard search
- A reply within one working day
Prefer to talk now? Call 0333 339 7301 or email [email protected].