Mortgage Calculators & Tools
Every calculator on the site, in one place. All free, instant and with no sign-up — and built around how UK lenders treat your income, credit history and deposit differently from each other.
How much can you borrow?
The same income gets very different answers from different lenders. These tools show the spread — not just one number.
How Much Can I Borrow?
Compare maximum borrowing across 58 UK lenders from your income, deposit and circumstances.
Self-employed income calculator
See how each lender is likely to assess your income — sole trader, director or CIS.
Shared ownership mortgage calculator
What lenders could lend on your share, with rent and service charge counted.
Shared ownership calculator: true cost & staircasing
Rent, service charge and mortgage year by year, what staircasing changes, and how it compares with buying outright or renting.
First Homes & discount market sale calculator
The discounted price, your loan and LTV on both bases, with the First Homes price cap, income cap and 50% mortgage checks.
Pension Contributions Calculator
Some lenders ignore pension contributions, some deduct them — see what yours do to your maximum.
Car Finance Mortgage Calculator
Every £1/month of PCP or HP typically costs £50–£65 or £120–£150 off your maximum borrowing, depending on how the lender assesses it. Work out your figure.
Buy-to-Let Mortgage Calculator
Rental-income based buy-to-let borrowing, with stress rates and interest coverage ratios explained.
Bad credit & declined applications
Adverse credit often narrows the choice of lenders. These tools show which lenders' published criteria may still fit, and when more lenders may consider you.
Deposit & buying costs
Your deposit sets your loan-to-value band, and each band changes both your rate and how much lenders will offer.
How Much Deposit Do I Need?
The deposit staircase — how each extra 5% deposit changes your maximum property price, not just your rate.
Stamp Duty Calculator
Stamp duty for England and Northern Ireland, Land Transaction Tax for Wales and LBTT for Scotland, including first-time buyer relief.
Buying Costs Calculator
The full cost of buying — stamp duty, legals, survey, moving — so completion day holds no surprises.
Completion Cost Calculator
Every figure you need on completion day — the balance to your solicitor, not just the deposit.
Move Timeline Tool
A realistic week-by-week timeline from offer to keys for your purchase.
Monthly payments
What the mortgage actually costs each month.
Want per-lender figures for your own details?
These calculators show you how lender treatment varies. The full affordability check goes further — it runs your details through 58 lenders' affordability calculations at the same time: each lender's own calculator where available, otherwise a model of its published criteria. Free to start. No credit search.
Check Your AffordabilityLooking for something else? Browse the guides, check how a specific lender treats your situation in the lender questions hub, or see what salary you need for a given mortgage size, from £150k to £1m.