Mortgagecalculators

Use our free tools to estimate your monthly repayments, borrowing power, and stamp duty costs. All figures are for guidance — contact us for a personalised quote.

Mortgage repayment calculator

Estimate your monthly mortgage payments

£

Enter the full purchase price

£

How much you are putting down

1%4.50%10%
5 yrs25 years35 yrs

Monthly repayment

£2,001

per month (capital & interest)

Loan amount

£360,000

LTV ratio

90%

Total interest

£240,299

Total repaid

£600,299

Get a real quote →

For illustration only. Actual rates depend on your circumstances, lender, and the product chosen. Contact us for an accurate personalised quote.

Borrowing power calculator

How much could you borrow based on your income?

£

Before tax

Most lenders use 4–4.5x income. Some specialist lenders offer up to 5.5x for certain professions. We search the whole market to maximise your borrowing.

Annual income

£50,000

Conservative (×4)£200,000
Typical (×4.5)£225,000
Maximum (×5)£250,000
Check your eligibility →

Income multiples vary by lender and are subject to full affordability assessment. This is an estimate only.

Stamp duty calculator

England rates — updated for April 2025

£

Stamp duty to pay

£10,000

Effective rate: 2.50%

Up to £125,000 @ 0%
£125,001 – £250,000 @ 2%£2,500
£250,001 – £925,000 @ 5%£7,500
£925,001 – £1,500,000 @ 10%
Over £1,500,000 @ 12%
Total cost (inc. SDLT)£410,000
Get mortgage advice →

Rates applicable in England from 1 April 2025. Scotland and Wales have different rates. For illustration only — consult your solicitor for a precise SDLT figure.

Ready for a real mortgage quote?

Our FCA regulated adviser searches 90+ lenders to find the right rate for you. Free, initial no-obligation advice.

FCA regulated (Ref: 478810) · No upfront fees · Whole of market access