Mortgage calculator
See what your mortgage payments could look like.
Enter a loan amount, interest rate and mortgage term to get an instant illustration of the possible monthly repayments.
Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The fee is up to 1%, but a typical fee is £495.
Your figures
Calculate your monthly payment
Adjust the figures below and the estimate will update automatically.
Borrowing estimate
How much could I borrow?
Use your combined gross annual income to see a broad initial range based on 4.5 to 5.5 times income.
Enter gross income before tax. Leave applicant two blank or at £0 for a sole application.
Frequently asked questions
Helpful answers before you get started.
These are general answers only. Your available options will depend on your individual circumstances and lender criteria.
How accurate are the mortgage calculators?
They provide broad illustrations using only the figures you enter. They do not include every cost, lender rule or feature of a mortgage and should not be treated as a quotation, recommendation or mortgage offer.
Is borrowing always limited to 4.5 times income?
No. Income multiples vary between lenders and applications. Some lenders may consider more or less depending on affordability, income, commitments, deposit, credit history, mortgage term and their criteria. The 4.5× to 5.5× range above is only a simple starting illustration.
How much deposit might I need?
The deposit required depends on the property, mortgage type and lender criteria. A larger deposit can sometimes provide access to a wider choice of products, but the right starting point is to review your full budget and circumstances.
Can I get a mortgage if I am self-employed?
Potentially, yes. Lenders assess self-employed income in different ways and commonly request evidence such as accounts, tax calculations and tax-year overviews. The length of trading history and the structure of the business can affect the available options.
Will credit history affect my options?
It can. Lenders consider the type, amount, timing and circumstances of any credit issues alongside the rest of the application. A credit issue does not automatically mean that no mortgage options are available.
What documents will I normally need?
This commonly includes identification, proof of address, recent bank statements, income evidence and details of your deposit and existing commitments. The exact documents depend on your employment type, circumstances and lender.
Is there a fee for mortgage advice?
There may be a fee for mortgage advice. The fee is up to 1%, but a typical fee is £495. The amount and when it is payable will be explained before you decide to proceed.
Personal advice
A calculator is only the starting point.
We can review your circumstances, explain the available options and help you understand the true costs.