Mortgage & Property Calculators

Calculate monthly mortgage repayments for repayment and interest-only mortgages. See total interest paid over the term.

See exactly how much you can borrow for a UK mortgage in 2026. Calculator uses 4.5x income multiplier and Bank of England stress test rates.

Compare current vs new mortgage rate. See monthly savings, break-even and total cost including fees.

Calculate everything a first-time buyer needs: deposit, stamp duty, solicitor, survey, mortgage fees and monthly payments.

Calculate every cost of buying a home — deposit, stamp duty, solicitor, survey, searches, and monthly mortgage.

See how much overpaying your UK mortgage saves. £100/month extra can cut a 25-year mortgage by 5+ years. Interest savings calculator updated 2026.

Calculate gross and net rental yield on UK buy-to-let property. Accounts for management fees, mortgage interest, maintenance and tax. Free calculator.

Compare the financial costs of renting versus buying a property over time in the UK.

Calculate monthly costs of shared ownership including mortgage on your share and rent on the unsold share.

Estimate how much you could release from your home and see how the debt grows over time with compound interest.

Calculate the total costs of buying a home — solicitor, stamp duty, survey, mortgage fees and removals.

Calculate gross yield, net yield, return on deposit and monthly cashflow for buy-to-let investments.

Calculate your loan-to-value ratio and see exactly how much it cuts your mortgage rate across 60%/75%/85%/90%/95% tiers.

Calculate your DTI ratio to see if lenders will approve your mortgage or loan application.

Calculate BTL mortgage payments (interest-only and repayment). Check rental coverage stress test.

Calculate price per square foot/metre to compare property value. See how it compares to UK averages.

Estimate lease extension premium including marriage value, ground rent and professional fees.

Compare monthly payments at different interest rates. See how rate changes affect your mortgage.

Calculate interest saved by offsetting savings against your mortgage. See equivalent tax-free rate.

Calculate ground rent over time with escalation. Flag onerous rents. Includes doubling and RPI clauses.

Estimate your leasehold service charge from building costs. Includes insurance, maintenance and reserve fund.

Calculate your Right to Buy discount for council/housing association properties. Up to 70% off.

Calculate the cost of buying a bigger share of your shared ownership home and new rent.

Compare paying off your mortgage now (including ERC) vs continuing payments. See if it's worth it.

Calculate First Homes discounted price (30-50% off). Check if you can afford with income and deposit.

Check if you can afford shared ownership — mortgage on your share plus rent on unsold share.