Property & Mortgage
- Bridging Loan CalculatorUse our free Bridging Loan Calculator to get an instant estimate.
- Buy to Let Mortgage CalculatorA buy to let mortgage calculator tells you how much lenders will let you borrow for a rental property, based on the rental income it's expected to generate. Unlike a residential mortgage, which lenders size around your salary, a BTL mortgage is constrained by the rent you'll collect - lenders apply a 'stress test' to ensure the rental income comfortably covers the loan repayment, even if interest rates rise. Use the calculator above to enter your deposit, the property price, and the annual rent you expect. The tool will show you the maximum loan amount, your rental-income coverage ratio, and whether you meet the typical lender's stress-test threshold. This article explains how that maths works, what lenders actually look for, and the tax and stamp-duty bills you'll face.
- Conveyancing Fees CalculatorUse our free Conveyancing Fees Calculator to get an instant estimate.
- Cost of Moving House CalculatorWork out the total cost of moving house in the UK in one place - stamp duty, conveyancing and solicitors' fees, survey, mortgage fees, estate agent and removals - so you know the real number before you commit.
- Equity Release CalculatorUse our free Equity Release Calculator to get an instant estimate.
- House Deposit CalculatorUse our free House Deposit Calculator to get an instant estimate.
- How Much Can I Borrow CalculatorThis how much can I borrow calculator gives you a fast, realistic estimate of the mortgage a UK lender might offer, based on your income, deposit and monthly commitments. Most banks lend somewhere between 4 and 4.5 times your annual income, but the real figure depends on your spending, debts and the lender's stress test. It is built for first-time buyers, home movers and anyone remortgaging who wants a sensible borrowing ceiling before they start viewing properties or speaking to a broker.
- Loan to Value CalculatorUse our free Loan to Value Calculator to get an instant estimate.
- Mortgage Affordability CalculatorThis mortgage affordability calculator gives you a realistic estimate of how much you could borrow based on your household income, your deposit and your regular monthly outgoings. It mirrors the way UK lenders actually weigh up an application, so you can see your likely ceiling before you ever speak to a broker or fill in a form. It is built for first-time buyers, home movers and anyone remortgaging onto a bigger property who wants a quick, honest answer to a simple question: how much mortgage can I get?
- Mortgage CalculatorThis mortgage calculator works out your monthly repayments and the total cost of your home loan from four figures: the property price, your deposit, the interest rate and the term. It is built for UK buyers and homeowners - first-time buyers comparing deals, movers checking a new mortgage, and anyone remortgaging onto a fresh rate. Enter your numbers and you will see the monthly payment, the total interest you will pay over the life of the loan, and how the balance falls year by year. No sign-up, no personal details - just the maths.
- Mortgage Overpayment CalculatorThis mortgage overpayment calculator shows how much interest you could save, and how many years you could knock off your term, by paying extra towards your home loan. Whether you can spare £50 a month or drop a £5,000 windfall onto the balance, you will see the effect in pounds and in time saved. It is built for UK homeowners weighing up whether to overpay the mortgage, top up savings, or clear other debt first. Enter your balance, rate, remaining term and the overpayment you have in mind, then read on for the maths behind the numbers and the traps to avoid.
- Mortgage Repayment CalculatorUse the mortgage repayment calculator above to estimate your monthly payments from the loan amount, interest rate and term, and see how changing any of them affects what you pay.
- Remortgage CalculatorThis remortgage calculator shows, in pounds, what switching your mortgage to a new rate could do to your monthly payment and the total interest you pay over the term. You feed in your current balance, rate and remaining years, then the rate you have been offered, and it compares the two side by side. It is built for UK homeowners coming to the end of a fixed deal or sitting on their lender's standard variable rate, wondering whether moving is actually worth the hassle. Seeing both figures together makes it easy to judge whether the saving justifies the cost and effort of switching.
- Rent Affordability CalculatorUse our free Rent Affordability Calculator to get an instant estimate.
- Rental Yield CalculatorThis rental yield calculator works out the gross and net return on a UK buy-to-let property, so you can see what your rent actually earns against the price you pay. Enter the purchase price (or current value) and the rent, add your running costs, and you get both figures in seconds. It is built for landlords, first-time investors and anyone comparing two properties before making an offer. Yield is the single number that lets you weigh a cheap flat in one town against a pricier house in another on a like-for-like basis.
Understand the true cost of your home
A mortgage is the biggest financial commitment most people ever make, and small changes to the rate, term or deposit can mean tens of thousands of pounds over its lifetime. Our property and mortgage calculators help you compare the options clearly before you talk to a lender or broker.
Begin with the Mortgage Calculator and Mortgage Repayment Calculator to see monthly payments for any loan amount, rate and term. Not sure what a lender will offer? The How Much Can I Borrow Calculator and Mortgage Affordability Calculator estimate your borrowing power from income and outgoings.
Pay less interest and invest smarter
Already on the ladder? The Mortgage Overpayment Calculator shows how overpaying shortens your term and slashes total interest, while the Remortgage Calculator helps you decide whether switching deals is worth it. Keep an eye on your Loan-to-Value ratio to unlock better rates.
Landlords and investors can weigh up returns with the Buy-to-Let Mortgage Calculator and Rental Yield Calculator, while the Equity Release Calculator and Bridging Loan Calculator cover later-life and short-term borrowing. Every calculator is free and updated for current UK rates.
Other calculator categories
All calculators →Software that files it for you
Partner linksIf you keep your own books, these are the packages that handle Self Assessment and Making Tax Digital.
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See XeroWe may earn a commission if you sign up through one of these links. It never changes what we calculate, what we recommend, or the order they appear in.
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