Mortgage calculators

Instant estimates as you type — repayments, borrowing power, stamp duty and buy-to-let cover. Figures are illustrations, not offers; your exact numbers depend on lender criteria.

Loan amount£250,000

Interest rate (% per year)4.5%

Term (years)25

Repayment type

Estimated monthly payment

£1,390

Total repaid over term—

Total interest—

Illustration only. Assumes a constant rate for the whole term.

Get exact figures

Your annual income (before tax)£60,000

Second applicant income (optional)£0

Estimated borrowing range

£240,000 – £330,000

Typical (4.5× income)—

Some lenders (up to 5.5×)—

Actual figures depend on outgoings, credit profile and lender criteria — complex income often supports more than the standard multiple.

Check my real maximum

Purchase price£350,000

Buyer type

Stamp duty payable

£7,500

England & Northern Ireland rates from April 2025. Additional-property surcharge +5%. Scotland (LBTT) and Wales (LTT) differ.

Plan the full purchase cost

Property value£250,000

Expected monthly rent£1,200

Taxpayer type

Buy-to-let assessment

—

Mortgage at 75% LTV—

Deposit required (25%)—

Monthly mortgage at stress rate—

Rent needed to pass ICR—

Based on 75% LTV, 5.5% stress rate. ICR: 125% for basic-rate and Ltd/SPV, 145% for higher-rate taxpayers. Actual criteria vary by lender.

Model my portfolio

Numbers are the start, not the answer

A calculator cannot see lender criteria, your income structure or next year's plans. A twenty-minute conversation can.

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