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Free Mortgage Calculators — Plan with Confidence
Get instant calculations for your mortgage journey. Calculate affordability, monthly repayments, and stamp duty costs. Free, secure, and updated with the latest UK rates.
Quick Guide
Which Calculator Do You Need?
Starting your search?
Find out how much you could borrow based on your income and expenses before you start viewing properties.
Use Affordability Calculator →Found a property?
Calculate exact monthly repayments and total interest costs to see if a specific property fits your budget.
Use Monthly Payment Calculator →Planning your full budget?
Calculate the stamp duty land tax you'll need to pay — including first-time buyer relief and additional property surcharges.
Use Stamp Duty Calculator →Mortgage Affordability Calculator
Calculate your maximum borrowing potential based on your income, expenses, and deposit. Understand what lenders will consider when assessing your application.
Best for
- → First-time buyers starting their search
- → Understanding your buying budget
- → Checking affordability before viewing properties
- → Self-employed borrowers planning applications
Open tool
Start this calculator now
Get an instant estimate with the live calculator and refine it with expert advice if you need it.
Open Calculator →Monthly Payment Calculator
Work out your exact monthly mortgage payments and total interest costs. Compare different loan amounts, terms, and interest rates to find a mortgage that fits your budget.
Best for
- → Budgeting for specific properties
- → Comparing different mortgage terms
- → Understanding total interest costs
- → Planning remortgage savings
Open tool
Start this calculator now
Get an instant estimate with the live calculator and refine it with expert advice if you need it.
Open Calculator →Stamp Duty Calculator
Calculate the stamp duty land tax you'll pay when buying a property in England or Northern Ireland. Includes rates for first-time buyers, main residences, and additional properties.
Best for
- → Planning your total purchase costs
- → First-time buyer stamp duty relief
- → Buy-to-let investors
- → Second home purchases
Open tool
Start this calculator now
Get an instant estimate with the live calculator and refine it with expert advice if you need it.
Open Calculator →Why Home Me Calculators
Built for Accuracy. Designed for Simplicity.
Accurate & Current
Updated with the latest mortgage rates and UK stamp duty tax bands. Results you can trust for genuine financial planning.
100% Secure & Private
All calculations happen on your device. We don't collect, store, or share any of your personal or financial information.
Fast & Simple
Instant results with straightforward inputs. No complicated forms, technical jargon, or unnecessary questions.
Expert Support Available
Calculators are a starting point. Our advisers can provide personalised advice for complex cases — self-employed, bad credit, large loans, and more.
Interpreting Results
What Do the Calculator Results Mean?
Calculator results give you a reliable estimate — but your actual mortgage offer depends on a full assessment. Here's what to keep in mind for each tool.
Affordability Results
Shows your estimated maximum borrowing based on income multiples — typically 4–5× your annual income. Actual affordability also depends on your credit score, employment type, existing debts, and the specific lender's criteria. Speak to an adviser for a detailed assessment.
Monthly Payment Results
Displays your monthly repayment and total interest over the mortgage term. Fixed-rate periods typically run 2–10 years, after which you'll move to the lender's standard variable rate — unless you remortgage to a new deal.
Stamp Duty Results
Shows the total stamp duty land tax you'll pay. First-time buyers receive relief on properties up to £300,000 and pay 5% on the portion up to £500,000. Additional properties attract a 3% surcharge on all tax bands. Results are based on England and Northern Ireland rates.
Calculators are a great starting point — but your actual borrowing capacity and rate depend on a full lender assessment. Our advisers have access to deals from 90+ lenders, including exclusive rates not available on the high street.
Common Questions
Mortgage Calculator FAQs
How accurate are mortgage calculators?
Our calculators provide accurate estimates based on the information you enter and current market rates. Actual mortgage offers depend on full affordability assessments, credit checks, and lender-specific criteria. Speak to an adviser for precise figures tailored to your situation.
How much can I borrow for a mortgage?
Most lenders offer 4–4.5× your annual income, with some offering up to 5–5.5× in certain circumstances. Your actual borrowing capacity depends on your income, existing debts, credit score, employment type, and deposit size. Use our Affordability Calculator for an initial estimate.
What are current mortgage rates in the UK?
Mortgage rates vary significantly based on your deposit size, credit score, and chosen term. Fixed rates typically range from 4–6%, though this changes regularly with the market. Our advisers can provide up-to-date rates from 90+ lenders based on your specific profile.
Do first-time buyers pay stamp duty?
First-time buyers pay no stamp duty on properties up to £300,000. You pay 5% on the portion between £300,001 and £500,000. Above £500,000, standard rates apply with no first-time buyer relief. Use our Stamp Duty Calculator to calculate your exact liability.
Should I choose a 2-year or 5-year fixed rate?
It depends on your circumstances and risk tolerance. 2-year fixes offer flexibility and potentially lower rates, but you'll need to remortgage sooner. 5-year fixes provide longer-term payment certainty and protect you from rate rises. Speak to an adviser about your specific situation before deciding.
How much deposit do I need?
Minimum deposits start at 5% for residential mortgages, though 10–15% typically unlocks better rates. Buy-to-let mortgages usually require 25% minimum. Larger deposits secure lower rates and more favourable terms — even a small increase in deposit can make a meaningful difference to your monthly payments.
Can self-employed people get mortgages?
Absolutely. Self-employed mortgage applications typically require 1–2 years' accounts and use different affordability assessments. Specialist lenders understand complex income structures — contractors, freelancers, directors, and business owners. The calculator results are a useful starting point; an adviser can give you a more precise picture.
Are the mortgage calculators free to use?
Yes — all our mortgage calculators are completely free with no registration required. We don't collect or store your information, and there's no obligation to use our advisory services. They're here to help you plan, with no strings attached.
Specialist Advice
Need Specialist Mortgage Advice?
Calculators give you a solid starting point. For personalised advice based on your specific circumstances, our advisers are here to help — across every type of mortgage situation.
Ready to Turn Your Numbers into an Application?
Calculators provide useful estimates, but every situation is unique. Our advisers have access to 90+ UK lenders — including exclusive rates not available on the high street.
Your free consultation includes
- Personalised affordability assessment
- Whole-of-market rate comparison from 90+ lenders
- Application strategy and documentation guidance
- Support from application through to completion
- No upfront fees — no obligation
Or call us on 01628 884 693
Serving first-time buyers, movers, and investors across Berkshire, Buckinghamshire, Oxfordshire, and throughout the UK.