Free · Updated May 2026

UK Mortgage Calculators

Honest, accurate calculators for first-time buyers and home movers. No sign-up, no upsells, no email gates.

Want the full picture? Take the journey through all five calculators to see your complete buying costs at a glance.

Mortgage Repayment Calculator

See what you'd pay each month on a UK residential mortgage.

Property price

Deposit 15%

Interest rate

Mortgage term

years

Stamp Duty Calculator

Calculate Stamp Duty Land Tax (SDLT) for England and Northern Ireland — current 2026 rates.

Buyer type

Property price

Affordability Calculator

How much UK lenders typically offer based on your income and outgoings (2026 figures).

Your annual salary

Partner's salary (optional)

Monthly debt payments

Other monthly outgoings

Expected interest rate

Mortgage term

years

Overpayment Calculator

See how monthly overpayments reduce your term and total interest paid.

Outstanding balance

Interest rate

Remaining term

years

Monthly overpayment

Deposit Savings Calculator

How long will it take to save your deposit? Includes interest earned over the saving period.

Target property price

Deposit target

Current savings

Monthly saving

Savings interest rate

Your Buying Summary

Combined results across all calculators you've used

Upfront Cost

—

Monthly Cost

—

Time to Save Deposit

—

Total Lifetime Cost

—

These figures are planning estimates. Speak to an FCA-regulated mortgage broker for an actual quote based on your circumstances.

About these calculators

These five calculators cover the main numbers UK first-time buyers and home movers need to understand. They run entirely in your browser — nothing is sent to any server, and no sign-up is required.

For deeper context on UK mortgage rates, stamp duty rules, lender affordability, and how the Lifetime ISA works in 2026, read the UK Mortgage Guide 2026.

When to use which calculator

Mortgage Repayment — at the "is buying realistic?" stage, comparing properties at different prices.
Stamp Duty — before making an offer, especially near the £500,000 first-time buyer cliff edge.
Affordability — to estimate what lenders will offer based on current 2026 rules.
Overpayment — if you already have a mortgage and want to see the impact of paying extra.
Deposit Savings — to plan how long it'll take to save for your deposit, including LISA interest.

What these calculators do not include

These tools are for planning and exploration. They don't include conveyancing fees, surveys, mortgage arrangement fees, or moving costs. They also can't predict future rate changes or provide quotes from specific lenders. Before making any borrowing decision, speak to an FCA-regulated mortgage broker. The full guide covers what to budget for beyond your deposit.

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