Mortgage & Property Calculators

Calculate monthly mortgage repayments for repayment and interest-only mortgages. See total interest paid over the term.

See how much you can borrow for a UK mortgage in 2026. Uses your income multiple, deposit and monthly commitments, caps the loan at 95% LTV and shows the monthly payment.

Compare current vs new mortgage rate. See monthly savings, break-even and total cost including fees.

Calculate everything a first-time buyer needs: deposit, stamp duty, solicitor, survey, mortgage fees and monthly payments.

Calculate every cost of buying a home — deposit, stamp duty, solicitor, survey, searches, and monthly mortgage.

See how much overpaying your UK mortgage saves. £100/month extra on a £200k, 25-year mortgage at 5% cuts 3½ years and saves £24,505 in interest.

Calculate gross and net rental yield on UK buy-to-let property. Accounts for management fees, mortgage interest, maintenance and tax. Free calculator.

Compare the financial costs of renting versus buying a property over time in the UK.

Calculate monthly costs of shared ownership including mortgage on your share and rent on the unsold share.

Estimate how much you could release from your home and see how the debt grows over time with compound interest.

Calculate the total cost of moving home: solicitor, searches, Land Registry, stamp duty, survey, mortgage fees, removals, mail redirection and estate agent fees if you are selling.

Calculate gross yield, net yield, monthly cash flow after mortgage interest and return on cash invested, including Stamp Duty, for buy-to-let investments.

Calculate your loan-to-value ratio and see exactly how much it cuts your mortgage rate across 60%/75%/85%/90%/95% tiers.

Calculate your DTI ratio to see if lenders will approve your mortgage or loan application.

Calculate BTL mortgage payments (interest-only and repayment). Check rental coverage stress test.

Calculate price per square foot/metre to compare property value. See how it compares to UK averages.

Estimate lease extension premium including marriage value, ground rent and professional fees.

See the monthly payment and total interest on your mortgage at nine rates from 3% to 7%, to check what a quoted rate or a 0.5% difference really costs.

Calculate interest saved by offsetting savings against your mortgage. See the term reduction and equivalent gross savings rate.

Calculate ground rent over time with escalation. Flag onerous rents. Includes doubling and RPI clauses.

Estimate your leasehold service charge from building costs. Includes insurance, maintenance and reserve fund.

Calculate your Right to Buy discount on a council home in England, with the regional cash caps and the repayment if you sell within 5 years.

Calculate the cost of buying a bigger share of your shared ownership home and new rent.

Compare paying off your mortgage now (including ERC) vs continuing payments. See if it's worth it.

Calculate the First Homes discounted price (30-50% off), check the price and income caps, and estimate the mortgage and stamp duty.

Check if you can afford shared ownership: mortgage, rent and service charge against take-home pay, the income limit and the largest share that passes.