UK Mortgage Calculators
Free calculators for the UK property market — repayments, SDLT, Help to Buy, shared ownership, remortgaging and more. All figures in GBP.
Core Calculators
Monthly repayments for repayment or interest-only mortgages with LTV and full schedule.
Estimate how much you could borrow based on income, expenses and lender stress rates.
Compare your current deal against a new fixed or tracker rate including ERC and fees.
FTB & Schemes Calculators
Work out deposit, stamp duty relief and monthly costs for your first UK property.
Calculate equity loan repayments and 5-year interest charges on the H2B scheme.
Estimate the cost of repaying or staircasing your Help to Buy equity loan.
Combine mortgage, rent and service charge for housing association shared ownership.
Project your LISA balance with the 25% government bonus toward your first home.
Plan equity loan support for self-build and custom-build projects in England.
Calculate your council tenant discount and the price to buy your home.
Discount estimate for housing association tenants under Right to Acquire.
Model gifted deposits, family loans and how they affect your mortgage application.
See your borrowing potential at 4×, 4.5×, 5× and 5.5× annual income multiples.
Work out borrowing capacity when a parent or family member acts as guarantor.
Calculate 5% deposit new-build mortgages under the Deposit Unlock scheme.
Project your 50% government savings bonus on the Help to Save account.
Stamp Duty & Tax Calculators
England & NI stamp duty for residential, FTB and additional-property purchases.
3% additional rate plus non-resident 2% surcharge for second homes and BTL.
SDLT bands and 3% landlord surcharge for buy-to-let purchases in England & NI.
Land and Buildings Transaction Tax for Scottish residential property purchases.
Land Transaction Tax bands and reliefs for Welsh property purchases.
Estimate your annual council tax by band and local authority across the UK.
Estimated energy performance score and running cost impact for UK homes.
Refinance & Existing Calculators
Lifetime mortgage and home reversion estimates for over-55s in the UK.
Show the long-term cost of pausing mortgage payments and the rolled-up interest.
See how lump-sum or monthly overpayments shorten your mortgage term and save interest.
Compare a standard mortgage against an offset linked to your savings balance.
Monthly interest payments and capital repayment vehicle planning.
Compare a discount-from-SVR mortgage with fixed and tracker alternatives.
Compare two mortgage deals side-by-side including fees and true cost over the deal.
Specific Products Calculators
Rental yield, ICR stress tests and net cash flow for UK BTL investments.
Mortgage planning for new-build flats and houses including builder incentives.
Total cost of arrangement, valuation, booking and broker fees on a UK mortgage.
Application, product and CHAPS fees compared across lenders.
Removals, surveys, conveyancing and SDLT for an end-to-end UK move budget.
Model the timing and risk of being in a UK property buying chain.
Estimated time from DIP to mortgage offer based on lender and case complexity.
See whether a cashback mortgage offer beats a lower headline rate.
Other Calculators
About UK Mortgages
The UK mortgage market is dominated by short fixed-rate deals — typically 2 or 5 years — that revert to the lender's Standard Variable Rate (SVR) at the end. Most borrowers remortgage every few years to avoid the SVR, which is usually 2–4% higher than the best new-customer rates. The Bank of England Base Rate sets the broad direction for tracker and SVR pricing, while fixed deals are priced from the swap market.
Affordability assessments are governed by the Financial Conduct Authority (FCA). Lenders must stress-test borrowers at a higher rate than the pay rate to confirm payments remain affordable if rates rise. Most lenders cap loan-to-income at around 4.5×, with high earners and certain professionals (doctors, lawyers, teachers) sometimes accessing 5× or 5.5× multiples.
The biggest one-off cost on a UK purchase is Stamp Duty Land Tax (SDLT) in England and Northern Ireland — or the equivalent LBTT in Scotland and LTT in Wales. First-time buyers benefit from significant SDLT relief, while purchases of additional properties (second homes, BTL) carry a 3% surcharge on top of standard rates and an extra 2% for non-UK residents.
Key Regulators & Programs
- Bank of England (BoE) — sets Base Rate, the foundation of UK mortgage pricing
- Financial Conduct Authority (FCA) — regulates mortgage lending and broker conduct
- HMRC — collects SDLT in England and Northern Ireland
- Revenue Scotland — administers LBTT for Scottish purchases
- Welsh Revenue Authority — administers LTT for Welsh purchases
- MoneyHelper (MaPS) — government-backed free guidance for borrowers
- Help to Buy, Shared Ownership, Right to Buy, LISA — government schemes that reduce deposit or purchase cost for eligible buyers