Mortgage calculator
Mode-aware affordability and repayment estimates with transparent assumptions for United Kingdom. All calculations run directly in your browser.
Long-form explainers with FAQ schema—each links back here so you can try the numbers immediately.
View all United Kingdom guidesCalculator inputs
No data storage. Inputs stay in this browser session only.
Your results will appear here
Fill in your numbers and click Calculate results to see your estimated max property price, loan amount, monthly payment, and full amortization breakdown.
Broker services for your scenario
Whole-of-market broker — free consultation
Broker booking links are disabled until a regulated partner URL is configured. Use a licensed mortgage professional in your region for quotes.
No obligation · Free initial consultation
See live mortgage rates from multiple lenders side-by-side. Find the best deal for your scenario.
Why compare?
A 0.5% difference in rate on a £350,000 mortgage could save you £18,000+ over the full term.
Includes SDLT planning & first-time buyer schemes
Rate comparison deep-links are not configured. Check lender comparison sites directly for live pricing.
Affiliate disclosure: We may earn a commission.
Yes. For England and Northern Ireland we model SDLT-style bands with a first-time buyer relief pathway for qualifying purchases, so you can see stamp duty alongside borrowing power. Wales (LTT) and Scotland (LBTT) use different band tables in real life, so treat those outputs as illustrative if you are not buying in England/NI. Always confirm tax with your conveyancer before you exchange.
The tool estimates a maximum loan from your income, existing debts, deposit, rate, and term using common affordability ratios (for example 30% of gross income toward housing costs as a starting guardrail). A real lender will apply their own scorecards, stress rates, and living-cost assumptions. Use the figure as a planning range, then ask an FCA-authorised mortgage adviser or lender for a Decision in Principle.
No. Nothing on this page is an offer of credit, a mortgage promise, or regulated advice. Lenders run credit checks, verify payslips, and apply internal policy that a browser calculator cannot see. Outputs are educational estimates only.
You enter the interest rate you want to stress-test (for example 5.25% if you are mirroring a typical SVR or product rate). We do not auto-sync live BoE or lender pricing because those change daily. For the most accurate payment, plug in the Annual Percentage Rate of Charge (APRC) or nominal rate your broker quoted you.
Affordability mode answers ‘what loan size fits my income and debts?’ Repayment mode answers ‘what is my monthly payment for this loan amount?’ You can flip between them with the same inputs to see both the ceiling (borrowing power) and the cashflow (monthly instalment) before you speak to a broker.
Yes, where applicable we apply a first-time buyer toggle so you can see how zero-rate thresholds change the upfront tax stack. Thresholds and percentages are maintained for estimation against published band structures; HMRC remains the source of truth for your completion statement.
No. UK mortgages are heavily regulated for good reason. Use GetMortgageCalc to rehearse numbers, then speak to an FCA-authorised mortgage adviser or your bank’s underwriting team. They will validate income multiples, bonus treatment, childcare costs, and credit commitments in ways a generic tool cannot.
The chart uses standard amortizing-loan maths (principal and interest split each month). If you choose interest-only where supported, the principal balance behaves differently. Small rounding differences versus a lender spreadsheet are normal.
Yes. Use the PDF export on the results panel to save a snapshot you can email to a partner or bring to a broker meeting. The PDF repeats the assumptions so a third party can see what you modelled.
Calculations run in your browser; this site does not operate a mortgage application database for your inputs. Clear your session if you share the device. Third-party analytics may collect basic page metrics only—see the privacy policy.
It produces estimation-level outputs from the inputs and assumptions you choose. Lenders apply proprietary credit policies, living-cost benchmarks, and verified documents that no public calculator can replicate. Treat every figure as a planning range, then validate with a regulated mortgage professional in your jurisdiction.
Mortgage numbers you type are processed locally in your browser to render charts and tables. This application is not designed to persist your form as a user profile. Standard hosting logs or third-party analytics may still exist—see the privacy policy for detail.
Yes. Affordability mode focuses on how much you may be able to borrow given income and debts, while repayment mode stresses the monthly instalment for a chosen loan amount. Switching modes lets you reconcile borrowing power with cashflow.
No. Mortgages intersect with tax (for example SDLT or mortgage interest deductions) and contract law. Nothing here replaces a qualified adviser, accountant, or solicitor. Regulatory references on the About page are for transparency only.
The editorial team reviews public guidance from central banks, regulators, and tax authorities on a best-effort schedule and documents the review cadence on the About page. Markets move daily—always confirm live pricing with your lender.
Related mortgage services
Whole-of-market broker — free consultation
Broker booking links are disabled until a regulated partner URL is configured. Use a licensed mortgage professional in your region for quotes.
No obligation · Free initial consultation
See live mortgage rates from multiple lenders side-by-side. Find the best deal for your scenario.
Why compare?
A 0.5% difference in rate on a £350,000 mortgage could save you £18,000+ over the full term.
Includes SDLT planning & first-time buyer schemes
Rate comparison deep-links are not configured. Check lender comparison sites directly for live pricing.
Affiliate disclosure: We may earn a commission.