Mortgage Calculators

Estimate your maximum mortgage based on income, expenses, and lender affordability rules. Covers single and joint applications.

Find out how much you could borrow with a second charge loan based on your income, existing mortgage, and lender criteria.

Check whether a buy-to-let property's rental income meets lender stress-test requirements at different interest coverage ratios.

Compare your current mortgage deal against switching. Factors in ERCs, fees, and cashback to show whether remortgaging is worth it.

Higher fee for a lower rate — is it worth it? Compare two mortgage products side by side to find the cheapest overall deal.

Compare 2, 3, 5, 7, and 10 year fixed rates to find the optimal term length for your circumstances and risk appetite.

Borrowing more? Compare a second charge loan against remortgaging to a higher balance — see which costs less overall.

Should you overpay your mortgage or save? Factors in your tax band, ISA rates, Premium Bonds, Personal Savings Allowance, and ERCs.

Compare putting spare cash in your offset account vs ISA, Premium Bonds, or taxable savings. Includes term reduction and payment impact analysis.

Calculate your stamp duty liability instantly. Covers first-time buyers, home movers, additional properties, and non-UK residents.

AI-powered property analysis combining EPC data, local area insights, school catchments, and comparable sales into one comprehensive report.