Property & Mortgage calculators

14 calculators in Property & Mortgage. Every one shows the tax year it used and the rules it applied.

Showing 1–14 of 14 in Property & Mortgage · Open the Property & Mortgage page

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.
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.

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Property & Mortgage

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Everyday Money

Software that files it for you

Partner links

If you keep your own books, these are the packages that handle Self Assessment and Making Tax Digital.

FreeAgent

4.8

Free optionMTD ready

The freelancer and contractor favourite, free with some bank accounts.

Free forever with a NatWest, Royal Bank of Scotland, Ulster or Mettle business account
Built-in Self Assessment and MTD for Income Tax filing

From £0 with a NatWest, RBS or Mettle account, otherwise about £19/mo

See FreeAgent

QuickBooks

4.6

MTD ready

The big all-rounder with the deepest MTD track record.

Sole Trader plan built specifically for Self Assessment and MTD
Snap and store receipts, automatic bank feeds

From about £10/mo, frequent 90% off intro offers

See QuickBooks

Xero

4.5

MTD ready

The scale-up choice once you have staff, stock or VAT.

Huge app marketplace and the accountant industry standard
Strong for VAT, payroll and multi-user limited companies

From about £15/mo

See Xero

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