Tools
Mortgage calculators for England
Five calculators covering the decisions that matter when you're buying or remortgaging in England. No email gates, no steering, no results behind a button that says 'unlock'. Every assumption is visible, every rate is dated.
Full affordability calculator
The flagship. Region, deposit, scheme, first-time-buyer toggle. Shows total cash needed to move: stamp duty, solicitor, survey, arrangement fee, moving, plus your monthly payment at the current best-buy rate for your LTV.
Open calculator → 02Stamp Duty calculator
England & Northern Ireland. Standard, first-time buyer relief, additional-property surcharge (second home / BTL), non-resident surcharge. Shows the working band-by-band.
Open calculator → 03Monthly repayment calculator
Capital-and-interest or interest-only. Plots the balance over the term so you can see how much interest you pay in year one vs year twenty.
Open calculator → 04How much can I borrow?
Single and joint income, adjustable income multiple, shows a realistic borrowing range and what it looks like as a percentage of your take-home pay.
Open calculator → 05Overpayment savings calculator
Add £X/month and watch the term shrink and interest saving grow. Flags the typical 10% annual overpayment cap on fixed products.
Open calculator →