Mortgage Calculators
Quick, free tools to help you understand your mortgage options. All results are indicative — speak to an advisor for a personalised quote.
How Much Can I Borrow?
Estimate a borrowing range based on your income. Many lenders lend around 4–5.5× annual income, but the amount you can borrow also depends on your outgoings, credit history and deposit. Treat the result as a starting point, not a mortgage offer.
Monthly Repayment Calculator
See what a capital-and-repayment mortgage could cost each month for a given loan amount, interest rate and term. The figure assumes the rate stays the same for the whole term, which in practice it rarely does. Product fees and other costs are not included.
Overpayment Calculator
See how much interest you could save, and how much sooner you could repay your mortgage, by overpaying each month. Many lenders allow overpayments of up to 10% of the balance a year without an early repayment charge, but limits vary, so check your mortgage terms first.
Buy-to-let rent calculator
Estimate the monthly rent a buy-to-let lender may want to see for a given property value and deposit. This quick version uses a 125% rental cover ratio; lenders' ratios and stress rates vary. Full buy-to-let rent calculator and ICR explainer
⚠️ Disclaimer: All calculator results are indicative estimates only and do not constitute financial advice. Actual mortgage amounts, repayments, and eligibility depend on individual circumstances, lender criteria, and current interest rates. Always speak to a qualified mortgage advisor before making any decisions.