UK mortgage calculators
Explore monthly payments, plan your deposit or compare a change of deal. Choose a tool, then use the result to ask better questions.
Planning estimates. No live mortgage rates or approval decision.
Start with the question you need answered. Check the inputs and assumptions in each tool before relying on the result.
What might I pay each month?
Explore monthly payments using a loan amount, rate and term you choose. Compare repayment, interest-only and part-and-part borrowing.
Have readyLoan amount · rate · term
Estimate my monthly paymentDoes the payment fit my budget?
See what remains after your income, regular costs and a proposed payment. This checks your household budget, not a lender’s borrowing limit.
Have readyMonthly income · spending · proposed payment
Check my monthly budgetWhat could a change of deal mean?
Compare two payment scenarios, modelled interest and upfront switching costs. Read the monthly payment and the mortgage term together.
Have readyMortgage balance · rates · terms · switching costs
Compare remortgage figuresHow could I reach my savings target?
Turn a deposit percentage into a target in pounds. Check the savings gap and the time or monthly saving needed to reach it.
Have readyProperty price · target · savings · monthly saving
Plan my deposit savingsWhat property tax should I allow for?
Estimate SDLT for a straightforward residential purchase in England or Northern Ireland. Your conveyancer should confirm buyer status and the tax due.
Have readyPurchase price · buyer-status options
Estimate stamp dutyBuying in Wales or Scotland? Use the official Welsh LTT calculator or Scottish LBTT calculator. For England and Northern Ireland, check HMRC’s SDLT guidance and confirm the tax with your conveyancer.
How do rent and running costs compare?
Compare rental income with the purchase price and the running costs you enter. A yield figure is only one part of an investment decision.
Have readyPurchase price · rent · monthly running costs
Explore rental yieldWhat might commercial borrowing cost?
Explore payments, deposit, costs and income cover with adjustable assumptions. The result cannot confirm finance terms or lender acceptance.
Have readyProperty value · deposit · rate · term · income
Explore commercial figuresMake the estimate useful
A calculator applies the figures you enter. It cannot confirm your eligibility, a live rate or what a lender will offer. Your income, commitments, credit history, property and product terms still need to be assessed.
For independent guidance on payments and changing rates, see MoneyHelper’s mortgage calculators.
Salary, dividends, profits and variable earnings may need different evidence. A budget calculation cannot establish which income a lender will accept.
Before you rely on a result
Clear answers to help you choose a tool and use its estimate.
For a possible monthly payment, start with the repayment calculator. Then use the budget check to compare that payment with your regular spending. If you are changing an existing mortgage, use the remortgage calculator to compare scenarios.
No. Our affordability tool is a monthly household budget check. It subtracts the costs and proposed payment you enter from your monthly income. It does not calculate a lender’s borrowing limit or confirm approval.
Follow the label in the tool. The repayment calculator needs the amount you plan to borrow, rather than the whole property price. The deposit and stamp duty tools start with the property price. Keep funds for other buying costs separate from the deposit you enter.
These tools use simplified assumptions and the figures you enter. Actual rates, fees, payment schedules and affordability checks can differ. Read the assumptions beside each result and use a current lender illustration when comparing a specific mortgage.
Yes, to explore payment and savings scenarios or your household budget. They cannot decide which earnings a lender will accept. An adviser will need to understand how you earn and the evidence available. Start with our self-employed mortgage guidance.
From figures to your next step
Tell Count Ready what you are planning, the figures you tried and what you want to understand. We can review your circumstances, explain what information may be needed and discuss possible next steps.
There is no fee for an initial mortgage evaluation. Any applicable fees are explained and agreed before chargeable work. Read our Terms of Business for details.
Your home may be repossessed if you do not keep up repayments on your mortgage.
General information for UK users. Calculator estimates are not financial or tax advice, mortgage offers or guarantees of acceptance.
