Mortgage calculators

Explore mortgage costs and trade-offs.

Browse every completed Every Money Tool mortgage calculator for borrowing, repayments, remortgaging and home-ownership scenarios.

Mortgage Borrowing Estimate

Estimate an illustrative borrowing range from household income, deposit, debts and affordability.

Estimate initial and follow-on payments, total interest and deal-period balance.

See how monthly payments divide between interest and capital as the balance falls.

Explore how regular or one-off overpayments could affect interest, payment or mortgage term.

Compare a current mortgage, a replacement deal and waiting until the existing deal expires.

Estimate SDLT, LBTT or LTT with a band-by-band breakdown for the selected property details.

Project the balance at deal expiry and compare a lender follow-on rate with an alternative rate.

Calculate property price, deposit, mortgage amount or loan-to-value from the figures you know.

See how a different rate could change payments, annual cost and total interest.

Compare payments, total interest and future balances across common mortgage terms.

Estimate the mortgage interest and time that linked savings could save.

Compare interest-only payments with a repayment vehicle, shortfall and repayment mortgage.

Estimate rental yield, operating cash flow and lender interest-cover measures.

Model an illustrative ERC using the repayment, allowance and charge terms you enter.

Project mortgage balance, property value, home equity and LTV at remortgage.

Compare estimated renting and buying cash flows separately from ending assets.

Results are illustrative estimates, not personalised financial, tax, pension or mortgage advice.