Mortgage Calculators

Use our mortgage, stamp duty & borrowing calculators to help you with the whole home moving process. This will help you budget for your purchase.

Normally the thing most people want to know first is how much they’ll be paying their lender every month. This is dependent on the mortgage rate you choose, how big your deposit is and how much you borrow over what period of time.

  • Typically two-year fixed rates offer certainty as monthly repayments are fixed for the first two years. These rates are typically among the cheapest available.
  • Five-year fixed rates are a little bit more expensive as they offer you the certainty that your monthly repayments won’t change over the first five years of your mortgage term.
  • Variable and tracker rates follow other rates of interest, usually the Bank of England base rate. This means that if the rate your mortgage rate tracks changes, your mortgage rate will also change. It could go up or down – even within the term of the deal.

To work out how much you’ll pay each month, put your mortgage rate, fee and how much you need to borrow over how long into our calculator below.

Mortgage Payment Calculator

Please note this is only an estimate and can vary depending on the lender and your personal circumstances. To get a more accurate quote, we recommend speaking to one of our advisers who will be more than happy to help you.
Mortgage Loan Amount
Mortgage Term (Years)
Interest Rate (%)

Monthly Capital & Interest


Monthly Interest Only


This calculator can only be used as a guide. For an exact borrowing figure please contact us and we will provide a full review for you.

This information does not contain all of the detail you would need to choose a mortgage. Make sure you read your individual Key Facts Illustration (KFI) plus or the new European Standardised Information Sheet (ESIS) before you make a decision. A KFI plus or ESIS gives you tailored information, based on a particular mortgage and the level of lending you require, which is important to help you make your decision. This includes associated rates and fees, the overall cost of the mortgage and your monthly payments. Mortgage deals may not be available and lending is subject to individual circumstances.

To find out whether you could save money, get in touch with one of our advisers.

Property Stamp Duty Calculator

Stamp Duty Explained

Stamp duty rates for residential purchases are calculated within England and Northern Ireland. 

As there are many different types of stamp duty tax, we have created a stamp duty calculator to help you work out how much you will have to pay for the property you buy. Simply fill out the purchase price and see what your tax will be.

Property Purchase Price

Check any of the following options if applicable:

Buy to Let Property or Second Home
First Time Buyer - Relief for purchase prices up to £425,000
Non-UK Buyers

Stamp Duty to Pay


Effective Rate


A breakdown of how the total Stamp Duty is calculated.

Purchace Price Bands % Taxable Sum TAX
£0 - £250,000 0% £0.00 £0.00
£250,001 - £925,000 5% £0.00 £0.00
£925,001 - £1,500,000 10% £0.00 £0.00
£1,500,001+ 12% £0.00 £0.00
Purchace Price Bands % Taxable Sum TAX
£0 - £250,000 3% £0.00 £0.00
£250,001 - £925,000 8% £0.00 £0.00
£925,001 - £1,500,000 13% £0.00 £0.00
£1,500,001+ 15% £0.00 £0.00
Purchace Price Bands % Taxable Sum TAX
£0 - £425,000 0% £0.00 £0.00
£425,001 - £625,000 5% £0.00 £0.00
Purchace Price Bands % Taxable Sum TAX
£0 - £250,000 2% £0.00 £0.00
£250,001 - £925,000 7% £0.00 £0.00
£925,001 - £1,500,000 12% £0.00 £0.00
£1,500,001+ 14% £0.00 £0.00

This calculator can only be used as a guide. For an exact borrowing figure please contact us and we will provide a full review for you.

First Time Buyers

As of 22 November 2017, stamp duty land tax has been abolished for first-time purchases up to £300,000 and the existing rate of 5% will apply between £300,000 and £500,000. The relief will not apply to properties above £500,000.

Additional Properties (Second Homes & Buy To Let)

From 1 April 2016 an additional 3% will be added above the existing SDLT rates on purchases of ‘additional residential properties’ (such as second homes & buy to let property). To support the government’s housing initiatives, the additional higher rates will be applied to existing rates on residential purchases over £40,000 in value, but will not apply to organisations or funds making significant investments in residential property. To find out if the Stamp duty changes affect you contact us to discuss.

How much could you borrow?

A quick and easy way to calculate the likely maximum amount of mortgage loan available based on a typical lenders standard criteria. The figures provided by this calculator are for illustrative purposes only.

It does not include all of the details you may need to arrange a mortgage loan. All mortgage loans depend upon the valuation of the property and the lenders own criteria.

Sometimes taking out a joint mortgage can increase the amount you can borrow, especially if you both have well-paid jobs.

Our mortgage borrowing calculator will provide you with an approximation of how much you’re likely to be able to borrow but please remember this amount will vary from lender to lender and will also depend on things like your monthly credit commitments.

It’s important to understand how much you can afford so that you are comfortable with the payments, not just now but also in the long term.


Applicant 1

Sole Trader Profit OR Business Net Profit + Salary
Additional Salary

Applicant 2

Sole Trader Profit OR Business Net Profit + Salary
Additional Salary

Total Income of Applicants


Monthly Debt Payments

Monthly Debt Payments

Total Per Annum


Maximum Mortgageable Income


You may be able to borrow between




This calculator can only be used as a guide. For an exact borrowing figure please contact us and we will provide a full review for you.

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