Mortgage calculators.
Seven free calculators to help you plan: monthly payments, how much you might borrow, stamp duty and Land Transaction Tax, overpayments, loan to value, rental yield and payment holidays.
Monthly payment
- Loan amount
- Deposit
- Loan to value
- Total interest
- Total repaid
An illustration only. It assumes the rate stays the same for the whole term, which is unlikely in practice. Your actual payment depends on the lender, the product and your circumstances.
You might borrow around
- At 4 times income
- At 4.5 times income
- At 5 times income
- Possible property price
A rough guide only. Lenders do not use a simple income multiple. They assess your income, outgoings, credit history and deposit, and each one does it differently.
Land Transaction Tax
Rates checked on 7 October 2026 against GOV.UK, the Welsh Revenue Authority and Revenue Scotland. Tax rules can change and reliefs depend on your circumstances, so confirm the figure with your solicitor or conveyancer.
Interest you could save
- Current monthly payment
- Payment with overpayment
- Mortgage cleared in
- Time saved
- Interest without overpaying
- Interest with overpaying
An illustration only, assuming the rate stays the same. Many lenders limit overpayments, often to 10% of the balance a year, before early repayment charges apply. Check your mortgage terms first.
Loan to value
- Deposit or equity
- Lender band
- To reach the next band
Lenders usually price mortgages in loan to value bands. A lower band generally means more lenders and lower rates to choose from, although it is never guaranteed.
Gross rental yield
- Yearly rent
- Net yield after running costs
- Monthly mortgage interest
- Monthly profit before tax
- Rent as a share of mortgage interest
An illustration only, based on an interest only mortgage. It ignores tax, empty periods and purchase costs. Lenders test rental income against their own, usually higher, notional rates.
Monthly payment afterwards
- Current monthly payment
- Increase each month
- Interest added during the holiday
- Extra cost over the remaining term
An illustration only. It assumes interest keeps building during the holiday, is added to the balance and the end date of the mortgage stays the same. A payment holiday must be agreed with your lender first.
These calculators give illustrations, not advice or a mortgage offer. Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
What the numbers can and cannot tell you.
These calculators are a starting point. They use simple assumptions, such as an interest rate that never changes, so the results are illustrations rather than quotes.
What a lender will actually offer depends on its own criteria and on your income, outgoings, credit history and deposit. Two lenders can give very different answers to the same person.
If you would like figures based on your circumstances, book a call and we will work through them with you.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Want real figures?
Book a free, no obligation call and we will look at what lenders are likely to offer for your circumstances.