Our mortgage calculators

There is a lot to consider when picking a mortgage or making changes to an existing mortgage, but it helps to know you’ve thought about the different options and considered which may work better for you.

Having a good idea what you can and cannot do when it comes to a mortgage is a lot easier with our mortgage & BTL calculators.

Our range of mortgage calculators has been designed to provide you with the information you need to know about payments, overpayments, interest and the impact of different sized deposits.

How much will my loan cost

Calculate your monthly payments for a loan amount and interest rate using this mortgage calculator.

Find out how much you can borrow

Calculate how much you might be able to borrow. This mortgage calculator looks at your income and works out how much money a mortgage lender may be willing to offer you.

Pay off your loan early-flexible overpayment calculator

Overpaying on your mortgage even by a small amount can make a big difference to how much interest you pay back in total. Our mortgage overpayment calculator will show you how both lump sum overpayments and monthly overpayments could help save you interest and reduce the term of your loan.

Find out how much rent you need to cover your mortgage

Use this rent calculator to work out the minimum rent required for a buy-to-let mortgage loan:

Lenders also typically require a ‘buffer’ of 125% – i.e. the rental income each month must be 125% of the mortgage repayments. Enter your expected monthly rent, select 5, 5.5 or 6.99 (some lenders stress test at a higher level, so you may want to see all scenarios) and press calculate.

Buy to let mortgage calculator – how much can I borrow?

The amount you can borrow on a buy to let mortgage is mainly based on the monthly rental you are getting or are likely to get. This buy to let mortgage calculator will give you an idea of what you can borrow based on the expected rental income.

Key in the rent that you currently receive (or expect to receive) and our buy to let mortgage calculator will determine how much we think lenders will be happy to lend to you on a buy to let mortgage. If you don’t have this information already, you can use our rent calculator to get an estimate of how much rent you should be charging.

Please read….

Please note that our calculators are for illustrative purposes only. The information they provide does not contain all of the details you need to choose a mortgage. Call us and speak to one of our mortgage advisors who will help you choose the right mortgage that suits you.