Tools
Mortgage Calculators
Thirteen tools to sense-check the numbers before you speak to anyone. Every one is free, works instantly, and asks for nothing but the figures themselves.
- No sign-up and no email required
- Built around UK lender criteria
- England and Northern Ireland stamp duty rates
- Whole-of-market advice when you want it
broad range of UK lenders
Momentum Financial Services Ltd · FRN 1011740
a real adviser, start to finish
rates, fees & total borrowing
Borrowing and affordability
Start here if you are working out what you can borrow, what it will cost each month, and what your deposit is worth.
Stamp duty
England and Northern Ireland rates, including first-time buyer relief and the additional property surcharge.
Remortgaging and raising money
For anyone already on the ladder: switching deals, clearing the mortgage faster, or borrowing against equity.
Buy-to-let and investment
Rent-based lending works differently. These two cover the stress test and the return.
How to get the most out of these
A calculator answers an arithmetic question. It tells you what a payment is at a given rate, or what a deposit reaches as a percentage. It does not tell you whether a lender will offer you that rate, and that second question is usually the one that decides whether a purchase happens.
The most useful way to use them is in sequence rather than in isolation. Work out what you can borrow, check what that costs each month, see which loan to value band your deposit reaches, then add the stamp duty and the fees to get a total cash requirement. Most people discover something at step four that changes step one.
Everything here uses the rates and criteria that were current when the page was last reviewed, and lender criteria change without notice. Treat the output as a well-informed estimate, not as a quotation, and check anything you are about to make a decision on.
Where to go next
Independent sources
- MoneyHelper mortgage calculators — Free and impartial government-backed tools for comparison
- GOV.UK: Stamp Duty Land Tax — The official rates, thresholds and reliefs
Turn Your Numbers Into a Plan
A calculator gives you a starting figure. Share a few details and one of our advisers will confirm what you can actually borrow, what it will cost, and which lenders fit your circumstances — not just headline rates.
Enquiry Form
Tell us about your situation and we'll get back to you with tailored advice.
Every calculator here uses typical lender assumptions rather than the rules of any one lender. Figures are correct as at 15 August 2026 and lender criteria change without notice.
Read More From Our Guides
A calculator gives you a number. These pages explain what to do with it.
How Much Deposit Do You Need?
What each deposit size actually reaches, and what staying small costs you.
Stamp Duty Explained
Current rates, first-time buyer relief and the surcharges that catch people out.
Buying a Home in 2026
Every stage from agreement in principle to the day you get the keys.
Ready to check your numbers properly?
Calculators give you a starting figure. Send us your situation and we will tell you what a lender would actually agree to.
Frequently asked questions
Are these mortgage calculators free?
Yes, all thirteen are free and none require you to enter an email address, register, or provide contact details. They run entirely in your browser and nothing you type is sent anywhere.
How accurate are the results?
The arithmetic is exact. The assumptions behind it are estimates. A repayment figure at a given rate and term is precise; whether you would be offered that rate depends on your credit file, income, deposit and the lender’s own assessment, which no calculator can see.
Which calculator should I start with?
If you are buying, start with how much you can borrow, then the repayment calculator, then stamp duty. If you already own, start with the remortgage calculator or the overpayment calculator depending on whether you are switching or paying down.
Do the stamp duty calculators cover Scotland and Wales?
No. They use the England and Northern Ireland rates. Scotland charges Land and Buildings Transaction Tax and Wales charges Land Transaction Tax, both with different thresholds and their own first-time buyer treatment.
Do these work if I have bad credit?
The arithmetic is the same, but the rate you should enter is not. Adverse credit generally means a higher rate and a lower maximum loan to value, so a figure worked out at high street pricing will overstate what is achievable. Our adverse credit pages set out what the market actually looks like.
Is using a calculator the same as getting advice?
No. These are information tools and nothing on this page is a personal recommendation or an offer of credit. Advice means someone looking at your circumstances, your credit file and the whole market, and taking responsibility for the recommendation they make.