mortgage calculator

We have 2 mortgage calculators for you to choose from; calculate an approximate mortgage amount on a property you're looking at, or see how much you can borrow with your current income!

Mortgage Calculator

See how much a mortgage could cost you each month.

£

How much you plan to borrow after your deposit.

%

The interest rate for your mortgage deal (e.g. 5.5%).

How long you’ll take to repay the mortgage in full.

Repayment pays off the debt and interest. Interest‑only only covers the interest, so you’ll still owe the mortgage amount at the end.

This tool gives an illustration only and does not constitute financial advice. Actual repayments will depend on your lender and product. Please speak to a qualified mortgage lender.

Your estimated costs

Monthly payment £0.00
Total paid over term £0.00
Total interest £0.00

Enter an amount, interest rate and term, then hit “Calculate repayments” to see your results.

How much can you afford to borrow?

Use your income and outgoings to estimate the size of mortgage you might afford.

Your income

£

Your gross salary or self‑employed income before tax.

£

Leave as 0 if you’re buying alone.

£

E.g. bonuses, regular rental income, maintenance.

Your regular monthly commitments

£

Monthly payments to personal loans, car finance, credit cards etc.

£

Any other fixed commitments you want to take into account.

Assumptions

%

A common rule of thumb is 30–40% of your net income.

%

Used to estimate the mortgage amount you could support at this rate.

The length of the mortgage (e.g. 25 years).

This is a rough guide only and does not replace a lender’s own affordability checks. Lenders also look at your credit history, dependants and other factors.

Your affordability estimate

Estimated maximum monthly mortgage £0.00
Illustrative maximum borrowing £0.00
Total annual household income £0.00

Enter your income, outgoings and assumptions, then hit the button above to see an illustration.

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