Mortgage Calculators & Tools
Every calculator on the site, in one place. All free, instant and with no sign-up — and unlike a generic “4.5× salary” tool, built around how UK lenders actually 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 60+ UK lenders from your income, deposit and circumstances.
Bonus & Commission Calculator
The same bonus is worth 0%, 50% or 100% of its value depending on the lender — see the difference.
Self-Employed Mortgage Calculator
Two-year average vs latest year vs one year's accounts — how each assessment changes your maximum.
Limited Company Director Calculator
Salary + dividends vs net profit vs retained profit — which income basis lenders use, and what it's worth.
Student Loan Mortgage Calculator
How Plan 1, 2, 4, 5 and postgraduate loan repayments reduce your borrowing, by lender approach.
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 £40-60 off your maximum borrowing. 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 narrows the panel but rarely closes it. These tools show which lenders remain and when the rest come back.
Bad Credit Mortgage Calculator
Which lenders accept defaults, CCJs, DMPs, IVAs and bankruptcy — and at what borrowing level.
Adverse Credit Timeline
When historic credit issues stop affecting mortgage eligibility, event by event, lender by lender.
Bad Credit Deposit Calculator
The deposit you realistically need with each type of credit issue, based on live lender criteria.
Mortgage Declined? Decode Why
Work out the likely reason for a decline and what to do next — without racking up hard searches.
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.
Deposit Savings Calculator
How long it will take to save your target deposit at your current rate.
Stamp Duty Calculator
SDLT for England and Northern Ireland, including first-time-buyer relief.
Buying Costs Calculator
The full cost of buying — stamp duty, legals, survey, moving — so completion day holds no surprises.
Move Timeline Tool
A realistic week-by-week timeline from offer to keys for your purchase.
Monthly payments, rates & decisions
What the mortgage actually costs each month, and the decisions that change it.
Mortgage Repayment Calculator
Monthly cost by loan size, rate and term, with a full amortisation view.
Overpayment Calculator
Interest and years saved by overpaying — regularly or as a lump sum.
Monthly Budget Calculator
What a mortgage payment leaves you to live on, the way lenders look at it.
Should I Fix for 2 or 5 Years?
Compare fixing short vs long against your view of where rates go next.
Own New Rate Reducer Calculator
What a developer-funded rate buy-down on a new build is really worth — and what happens after it ends.
Rent vs Buy Calculator
Compare renting against buying over time, including opportunity cost.
Want real per-lender figures, not estimates?
These calculators show you how lender treatment varies. The full affordability check goes further — it runs your actual details through 60+ lenders' real calculators at the same time. 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, look up a term in the glossary, or see what salary you need for a given mortgage size, from £150k to £1m.
