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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 your maximum mortgage based on your income. Lenders typically offer 4–5.5× your annual salary.

£
£
Estimated borrowing range
£160,000 – £220,000
Based on 4× – 5.5× income. Actual amounts depend on credit status, outgoings and lender criteria.
Get a personalised figure →

Monthly Repayment Calculator

Find out what your monthly mortgage repayments would be based on loan amount, rate, and term.

£
%
yr
Monthly repayment
£1,111/mo
Total repaid: £333,333 (includes £133,333 interest)
Find today's best rates →

Overpayment Calculator

See how much interest you could save — and how many years you could knock off your mortgage — by making overpayments.

£
%
yr
£
Estimated interest saving
£18,240
Mortgage paid off approx. 3 years 2 months early
Talk to an advisor →

Rental Income Required

Find out how much rental income you'll need to qualify for a buy-to-let mortgage on a given property value.

£
%
%
Minimum monthly rental income required
£1,015/mo
Based on 125% rental coverage ratio at 5.5% stress rate. Actual lender criteria vary.
Get buy-to-let advice →

⚠️ 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.

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Risk warning

Your home may be repossessed if you do not keep up repayments on your mortgage.