Mortgage calculators

Eight 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 payment on a UK repayment mortgage, how much is interest and how much repays the loan, the total cost, and how much you can borrow on a monthly budget.
• How much can I borrow?How much can you borrow for a mortgage in the UK? Estimate it from your salary, a partner's income and your deposit, with tables by salary, deposit and joint income, and the 4.5 x income rule explained.
• Stamp duty calculatorFirst-time buyers pay no stamp duty up to £300,000 and 5% from £300,001 to £500,000. Calculate SDLT for first-time buyers, home movers and additional properties in England and Northern Ireland.
• 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.
• Buy-to-let stress test (ICR) calculatorCheck whether the rent passes a lender's buy-to-let stress test: the interest cover ratio (ICR) at a stressed rate, the rent needed for your loan and the most the rent supports.
• Remortgage vs product transfer calculatorCompare a product transfer with your current lender, a remortgage to a new lender and staying on the standard variable rate, over the same period, with fees included.

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.

Landlords should start with the buy-to-let stress test, because the rent, not your salary, sets the loan. If your current deal is ending, the remortgage vs product transfer calculator compares your options with fees included.

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.