Know Your Mortgage Before You Borrow
Free mortgage calculator for UK, USA, Canada & Australia. Estimate affordability, monthly repayments, amortization, and stamp duty — all in your browser, no data stored.
Trusted by homebuyers in 4 countries
4
Countries Supported
100%
Browser-Only
£0
Cost to Use
2026
Updated Rules
Multi-country support
UK mortgage affordability, Canada stress test, US 28/36 and AU borrowing power
Each country uses the correct 2026 rules, local terminology, and rate assumptions.
United Kingdom
UK
SDLT first-time relief
Affordability caps assume 30% front-end and 40% back-end DTI.
United States
USA
28/36 DTI rule
Affordability uses 28% front-end and 36% back-end DTI caps.
Canada
CA
Stress test included
Affordability uses 32% front-end and 40% back-end DTI caps.
Australia
AU
Interest-only option
Affordability uses 30% front-end and 40% back-end DTI caps.
Expat
Worldwide
25% deposit assumed
Designed for expat borrowing profiles.
What's Included
Everything You Need to Plan Your Mortgage
Our calculator goes beyond a basic repayment estimate. It applies real country-specific rules so your numbers reflect what lenders actually look at.
Two Calculation Modes
Switch between 'How much can I afford?' and 'What will my monthly payment be?' instantly with the same input set.
Country-Specific Rules
Real 2026 rules for each region: UK SDLT bands, Canada stress test (max 5.25% / rate+2%), US 28/36 DTI, and AU borrowing power.
Amortization Chart
Visual yearly breakdown of principal vs. interest. See how your equity grows across the full loan term.
PDF Export
Download a clean summary report of your mortgage scenario for offline reference or to share with a broker.
Instant Results
All calculations run directly in your browser. Zero latency, zero server calls, zero data transmitted.
No Signup Required
Open the calculator, enter your numbers, and get actionable results in under 30 seconds. No account needed.
How It Works
Get Your Estimate in 3 Steps
Choose Your Country
Select the UK, US, Canada, Australia, or Expat calculator. Each one applies the correct local rules and tax calculations.
Enter Your Numbers
Input your income, deposit, loan amount, interest rate, and term. Switch between affordability mode and repayment mode instantly.
Read Your Results
See your monthly repayment, maximum affordable loan, stamp duty breakdown, amortization chart, and full annual schedule.
About the Tool
Why We Built This Calculator
Most mortgage calculators either require sign-ups, show you results from specific lenders, or apply generic rules that don't reflect your country's actual lending standards.
GetMortgageCalc runs entirely in your browser using real 2026 regulatory rules: UK SDLT bands and Bank of England stress tests, the OSFI B-20 stress test for Canada, CFPB DTI ratios for the US, and APRA serviceability requirements for Australia.
All calculations are educational estimates only — not financial advice. We always recommend speaking with a regulated mortgage broker before making any decisions.
FAQ
Common Questions About Mortgage Calculators
Is this calculator free to use?
Yes — GetMortgageCalc is completely free. There is no sign-up, no account, and no cost. All calculations run in your browser.
Does the calculator store my personal data?
No. All calculations are performed locally in your browser. Your numbers are never sent to a server, stored, or used for any purpose.
How accurate are the mortgage calculations?
Our calculator applies real 2026 rules for each country — UK SDLT bands, Canada's OSFI stress test, CFPB DTI ratios for the US, and APRA requirements for Australia. However, results are estimates only. Individual lender criteria, your credit score, and property valuations all affect the actual amount you can borrow.
Which countries does the calculator support?
We support the UK, United States, Canada, and Australia. We also have a specialist Expat calculator for non-residents buying in the UK.
What's the difference between affordability mode and repayment mode?
Affordability mode answers 'How much can I borrow?' — it calculates your maximum loan based on income, DTI limits, and stress tests. Repayment mode answers 'What will my monthly payments be?' — it calculates the monthly cost of a specific loan amount, rate, and term.
Is this financial advice?
No. GetMortgageCalc provides educational estimates only. We are not regulated financial advisers. Always consult a licensed mortgage broker or lender before making any mortgage decision. See our financial disclaimer for full details.