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Mortgage affordability
Your estimated borrowing
£286,000
Monthly payment
£1,186
Interest rate
4.28%
View your results
£
Mortgage CalculatorInstant personalised result
%
Bank RateMarket data, explained
Plain EnglishNo Hidden FeesFree ToolsUK FocusedExpert Guidance
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USEFUL TOOLS

Make the numbers make sense.

Quick, easy-to-use calculators built to give you a clearer picture.

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FREE · INSTANT RESULTMortgage

Mortgage repayment calculator

Estimate monthly capital-and-interest or interest-only payments.

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FREE · INSTANT RESULTMortgage

Mortgage affordability check

Estimate a borrowing range from income and committed monthly credit costs.

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FREE · INSTANT RESULTProperty costs

Stamp Duty calculator

Estimate SDLT for residential property in England and Northern Ireland.

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FREE · INSTANT RESULTOverpayments and savings

Overpayment calculator

Estimate interest saved and time saved by regular monthly overpayments.

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FREE · INSTANT RESULTMortgage

Loan-to-value calculator

Calculate mortgage amount, deposit and loan-to-value percentage.

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FREE · INSTANT RESULTMortgage

Deposit calculator

Calculate the deposit needed for a property price and target LTV.

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FREE · INSTANT RESULTMortgage

Interest-only calculator

Estimate monthly interest-only payments and total interest over a term.

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FREE · INSTANT RESULTBuy-to-let

Buy-to-let rental stress calculator

Check rental cover against a stress rate and required coverage ratio.

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FREE · INSTANT RESULTDebt and affordability

Debt-to-income calculator

Estimate debt-to-income ratio from annual income and monthly credit commitments.

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FREE · INSTANT RESULTOverpayments and savings

Early repayment charge calculator

Estimate an early repayment charge from balance, ERC rate and admin fees.

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FREE · INSTANT RESULTOverpayments and savings

Remortgage savings calculator

Compare current and new mortgage payments, including fees and break-even time.

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FREE · INSTANT RESULTProtection

Protection needs calculator

Estimate a simple protection cover gap from mortgage, income and existing cover.

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CURRENT MARKET SNAPSHOT

The mortgage market, at a glance.

Official Bank Rate and Bank of England quoted mortgage rates. Mortgage figures are monthly averages for owner-occupied 75% LTV products, not personalised quotes.

Official Bank of England data

Important: market figures are illustrative, provided for general information and are not financial advice or personalised mortgage recommendations.

LATEST GUIDES

Guidance for the decisions that matter.

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Mortgages
MORTGAGES · 8 min read

Your complete guide to buying your first home

From deposits to completion, understand every stage of the journey.

Read guide
Protection
PROTECTION · 6 min read

Life insurance: what cover do you actually need?

A practical look at the cover that can protect the people who matter.

Read guide
Remortgaging
REMORTGAGING · 5 min read

When should you start looking for a new mortgage deal?

Plan ahead and avoid moving onto your lender's standard variable rate.

Read guide
LATEST ARTICLES

Useful context for a changing market.

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TRENDING · MARKET UPDATE

Understanding mortgage rates without the noise

A clearer explanation of why Bank Rate, swap pricing, fees and lender policy do not always move in lockstep.

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Practical information without the technical fog.

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