Free Resources

Mortgage Tools & Calculators

Free tools to help you plan your mortgage. Calculate affordability, monthly payments, stamp duty, and more.

These tools give estimates only. Final affordability and lender approval depend on a full assessment and lender criteria.

Not sure what these numbers mean for you?

Calculators don't show whether a lender will actually approve your case.

Mortgage Calculators

These are estimates only. Talk to an adviser to confirm what's realistic for your circumstances.

Borrowing
Mortgage Affordability Calculator
Find out how much you could borrow based on your income and outgoings
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Payments
Mortgage Repayment Calculator
Calculate your monthly payments for any mortgage amount and term
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Costs
Stamp Duty Calculator
Work out the stamp duty you'll pay on your property purchase
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Investment
Buy-to-Let Calculator
Check rental yield and affordability for investment properties
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Savings
Remortgage Savings Calculator
See how much you could save by switching to a better rate
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When to Speak to an Adviser

Calculators help you prepare — but they can't tell you if a lender will actually say yes. If any of these apply to you, it's worth speaking to us before relying on estimates:

Complex income

Self-employed, directors, contractors, or mixed income sources

Credit history concerns

CCJs, defaults, missed payments, or previous declines

Unusual circumstances

Large deposits, gifted funds, or non-standard properties

Mortgage Guides

First-Time Buyer Guide
Step-by-step guide to buying your first home
Read Guide
Bad Credit Mortgage Guide
Options for borrowers with CCJs, defaults, or missed payments
Read Guide
Self-Employed Guide
How to get a mortgage when you work for yourself
Read Guide
Remortgage Guide
When and how to switch to a better mortgage deal
Read Guide

Additional Resources

Mortgage Glossary
Plain English explanations of mortgage terms
Explore
Video Guides
Watch our mortgage advice videos
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Downloadable Guides
Free PDF guides on mortgages and protection
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Lender Criteria Search
Search 549+ criteria points from UK lenders
Explore
Financial Risk Assessment
Assess your mortgage risks and find solutions
Explore
Home Buying Tools
Complete toolkit for your home buying journey
Explore

Need Personal Advice?

Our calculators give you an estimate, but for accurate figures and expert advice, speak to one of our FCA-regulated advisers.

Your Home Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA 989177). Your home may be repossessed if you do not keep up repayments on your mortgage.

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