Mortgage calculators
Estimate your monthly payments, what you might be able to borrow, Stamp Duty or Land Transaction Tax, and more. These are illustrations only; speak to us for advice based on your circumstances.
Mortgage repayment calculator
See what your monthly payments could be on a capital and interest or interest-only mortgage.
Assumes the same rate for the whole term. Most deals change rate after an initial period, so your actual payments will differ.
How much could I borrow?
Many lenders start with an income multiple, then look closely at your outgoings and credit history. This gives you a rough guide.
For illustration only. We deduct a year of your monthly commitments from income before applying the multiple, as a simple guide. Higher multiples are usually only available to some borrowers, and every lender assesses affordability differently.
Stamp Duty and Land Transaction Tax
Buying in Wales? You pay Land Transaction Tax (LTT) to the Welsh Revenue Authority. In England and Northern Ireland it is Stamp Duty Land Tax (SDLT).
| Band | Rate | Tax |
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Rates for residential purchases completing in the 2026/27 tax year. LTT main rates apply from 10 October 2022 and higher rates from 11 December 2024; SDLT rates apply from 1 April 2025. Reliefs, non-UK resident surcharges and company purchases are not included. Always confirm the final figure with your conveyancer.
Mortgage overpayment calculator
See how much interest and time you could save by paying a little extra each month, or a one-off lump sum.
Loan to value calculator
Loan to value (LTV) is the size of your mortgage as a percentage of the property's value. Lower LTV bands often unlock lower rates.
Rental yield calculator
Thinking about a let property? Compare the gross and net yield on a purchase.
Excludes mortgage interest, tax and void periods. Buy to let lenders also test whether the rent covers the mortgage interest at a stressed rate.