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Calculators

Mortgage and property calculators

Seven quick tools to help you plan, from repayments and affordability to stamp duty across England, Scotland and Wales. Every figure is a guide; your adviser will confirm the detail.

£0per month
Total repaid£0
Total interest£0

A guide only. Your actual payment depends on the lender, product and any fees.

£0estimated maximum borrowing
Estimated property budget£0
Based on4.5x household income

Indicative only. Lenders assess income, credit history and outgoings individually.

£0total tax due
Effective rate0%
Tax schemeSDLT

Uses 2025/26 bands. First-time buyer relief and additional-property surcharges apply where selected.

£0interest saved
Time saved0
New payment£0

Many lenders allow overpayments of up to 10% a year without charge. Check your product terms.

0%loan-to-value
Loan required£0
Deposit share0%

A lower LTV usually unlocks better rates. Key thresholds sit at 90%, 85%, 80% and 75%.

0%gross rental yield
Annual rent£0
Monthly rent£0

Gross yield before costs. Factor in maintenance, voids, fees and tax for a net figure.

£0added to what you owe
Payment after holiday£0
Extra interest over term£0

A payment holiday increases what you owe and your future payments. Speak to us before arranging one.

These calculators give indicative figures only and do not constitute advice or a mortgage offer. Stamp duty uses 2025/26 bands. For a recommendation based on your circumstances, please get in touch.

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