Mortgage & Stamp Duty Calculators

Run theNumbers.

Seven calculators to help you plan before we speak. The figures are indicative only. They are not a quote, a recommendation or an offer to lend.

Affordability Monthly repayment Stamp duty Income change Overpayment Offset Buy to let

Mortgage Affordability Calculator

Estimate how much you might be able to borrow from your income and existing commitments.

Your annual income (£)

Second applicant’s income (£)

Monthly credit commitments (£)

Deposit (£)

Borrowing by income multiple

4×

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4.5×

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5×

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5.5×

–

6×

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6.5×

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You could borrow around

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At 4 times income–At 4.5 times income–At 5 times income–At 5.5 times income–At 6 times income–At 6.5 times income–Property budget with your deposit–Loan to value at the top of that range–

Shows income multiples from 4 to 6.5 times gross annual income, after deducting a year of credit commitments. Most lenders work around 4 to 4.5 times; higher multiples are offered only to some borrowers, usually depending on income, deposit and profession. Lenders assess affordability in detail and may lend more or less than this.

Discuss your figures

Monthly Repayment Calculator

See what a mortgage could cost each month and what a rise in rates would do to it.

Mortgage amount (£)

Interest rate (%)

Term (years)

Where your payments go over the term

Capital –Interest –

Monthly repayment

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Interest-only payment–Total interest over the term–Total repaid–Monthly repayment if rates were 1% higher–

Assumes the rate stays the same for the whole term and interest is charged monthly. Excludes fees. Your actual payments will depend on the product and lender.

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Stamp Duty Land Tax Calculator

Estimate the stamp duty on a residential purchase in England or Northern Ireland.

Purchase price (£)

Buyer type

UK resident

What makes up the stamp duty

Standard rates –Additional property –Non-UK resident –

Stamp duty to pay

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Standard rates–Additional property surcharge (5%)–Non-UK resident surcharge (2%)–Effective rate–

Uses the residential rates published by HMRC, checked on 7 October 2026. England and Northern Ireland only: Scotland and Wales have their own taxes. Limited companies pay the additional property rates and a 17% flat rate can apply to company purchases over £500,000 unless a relief applies. Reliefs and exemptions are not included. Your solicitor will confirm the amount due.

Discuss your figures

Income Change Calculator

See how a pay rise, promotion, new role or second income could change what you are able to borrow, today and in future.

Current annual income (£)

Future annual income (£)

Bonus received last year (£)

Bonus the year before (£)

Monthly credit commitments (£)

Income multiple

Borrowing capacity, today and future

Change in borrowing capacity

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Borrowing capacity today–Future borrowing capacity–Change in income–Change in borrowing–Bonus counted towards income–

Uses the income multiple you choose, applied to gross annual income after a year of credit commitments. Most lenders work around 4 to 4.5 times. Lenders usually need evidence of a new income, such as a contract or payslips, before they will lend on it. An indication only. Where a bonus is entered, one year of bonus history counts at half and two years are averaged into income.

Discuss your figures

Overpayment Calculator

See how much interest and time regular overpayments, or a one-off lump sum, could take off your mortgage.

Mortgage balance (£)

Interest rate (%)

Remaining term (years)

Monthly overpayment (£)

One-off lump sum (£)

Balance over time

Without overpaymentsWith overpayments

Interest saved

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Mortgage cleared sooner by–New mortgage term–Monthly payment with overpayment–Total interest without overpayments–Total interest with overpayments–

Assumes the interest rate stays the same, interest is charged monthly and overpayments reduce the term, not the monthly payment. Many mortgages limit overpayments, often to 10% of the balance a year and early repayment charges can apply above that. Check your lender’s terms first.

Discuss your figures

Offset Mortgage Calculator

An offset mortgage sets your savings against the balance, so you pay interest on less. See what yours could save.

Mortgage balance (£)

Savings to offset (£)

Interest rate (%)

Term (years)

Total interest over the term

Without offset

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With offset

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Interest saved over the term

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Balance you pay interest on–Interest saved in the first month–Mortgage cleared sooner by–Monthly repayment–

Assumes your savings and the interest rate stay the same throughout and that you keep paying the full repayment so the saving shortens the term. Offset savings earn no interest of their own.

Discuss your figures

Buy to Let Calculator

See how much a rental property could support, whether you buy in your own name or through a limited company SPV.

Property value (£)

Monthly rent (£)

Ownership

Stress rate (%)

Borrowing against the property value

Rent supports

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75% loan to value

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Maximum loan

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Maximum loan

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Interest cover ratio applied–Loan supported by the rent–Loan at 75% loan to value–Deposit needed–Rent needed for 75% loan to value–

Uses an interest cover ratio of 125% for basic rate taxpayers and limited company SPVs and 145% for higher rate taxpayers buying in a personal name, capped at 75% loan to value. Lenders set their own ratios, stress rates and limits.

Discuss your figures