Mortgage calculators

Six free calculators for the numbers behind a UK mortgage. They run in your browser, need no sign-up and explain how each figure is worked out.

• Mortgage repayment calculatorWork out the monthly repayment, total cost and total interest on a UK repayment mortgage from the loan amount, interest rate and term.
• How much can I borrow?Estimate how much you might borrow for a UK mortgage from your income and deposit, with an explanation of income multiples and affordability checks.
• Stamp duty calculatorCalculate Stamp Duty Land Tax on a residential purchase in England or Northern Ireland, including first-time buyer relief and the additional property and non-resident surcharges.
• Loan-to-value (LTV) calculatorWork out your mortgage loan-to-value and how much more deposit or equity would move you into a lower LTV band.
• Mortgage overpayment calculatorSee how much interest and time you could save by overpaying your mortgage each month or paying a lump sum.
• Interest-only calculatorCompare the monthly cost of an interest-only mortgage with a repayment mortgage, and see what is still owed at the end of the term.

Which one first?

Start with how much you can borrow, then check your loan-to-value and stamp duty, because both come out of the same deposit. Once you have a realistic loan size, the repayment calculator shows what you'd live with each month.

Estimates only, not advice. These calculators do arithmetic on the numbers you enter. They don't check your credit file, apply a lender's affordability rules or know which products you qualify for. Nothing you type is stored or sent anywhere. For a figure you can act on, speak to an FCA-authorised mortgage adviser.