Tools & calculators
Simple tools to help you plan. The figures are a guide only, not a mortgage offer or advice. When you are ready, we will talk through your own numbers with you.
Mortgage Repayment
See what a mortgage could cost each month, on a repayment or interest-only basis.
- Monthly payment if interest-only
- £833.33
- Total repaid (capital and interest)
- £350,754.02
- Total interest (capital and interest)
- £150,754.02
- Total interest (interest-only, capital still owed)
- £250,000.00
Assumes the rate stays the same for the whole term. Fees and rate changes are not included.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Interest Rate Change
See how a change in your mortgage rate could change your monthly repayment.
- Monthly repayment now
- £1,169.18
- Monthly repayment at the new rate
- £1,288.60
- Change over a year
- +£1,433.07
Repayment (capital and interest) mortgage. Assumes the new rate applies for the rest of the term; fees are not included.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Deposit & Loan-to-Value
Work out your loan-to-value from the property price and your deposit.
- Mortgage needed
- £270,000
- Deposit as a share of the price
- 10%
- LTV band lenders usually price on
- Up to 90%
A larger deposit usually brings a lower LTV band and access to lower rates. Lenders also look at income, credit history and the property.
Stamp Duty
Estimate the tax on a residential purchase in England and Northern Ireland, Scotland or Wales.
Stamp Duty Land Tax, residential rates, for UK residents.
Please note the information on this page and the calculator provides a guide and should not be relied upon as a final confirmation of the tax liability. Please visit the HMRC website for more information on stamp duty or speak to your solicitor.
Stamp Duty Land Tax on gov.ukHMRC SDLT calculatorLBTT on revenue.scotLTT on gov.wales
Loan Repayment
Work out monthly repayments and total interest on a loan, over months or years.
- Number of payments
- 60
- Total repaid
- £11,880.72
- Total interest
- £1,880.72
Works for secured or unsecured borrowing at a fixed rate. Lender fees are not included.
Income & Expenditure
Compare what comes in with what goes out to see your monthly surplus or deficit.
Enter monthly amounts. Rename, add or remove lines to match your own budget.
Monthly income
Monthly outgoings
- Total monthly income
- £0.00
- Total monthly outgoings
- £0.00
- Yearly surplus
- £0.00
Lenders look at your income and regular commitments when they assess what you can afford.
This information does not contain all of the details you need to choose a mortgage and does not constitute as advice. The results are illustrations only and are not a formal mortgage offer or an agreement to lend.
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