Free UK Mortgage & Loan Calculators

Eleven free, independent calculators covering mortgages, loans and general eligibility — built to help you understand your numbers before you apply.

Mortgage Calculators

Mortgage Affordability Calculator

Estimate how much you could borrow based on income and commitments.

Loan-to-Value (LTV) Calculator

Work out your LTV and which rate tier you're likely to qualify for.

Mortgage Overpayment Calculator

See how overpaying reduces your term and total interest.

Remortgage Cost & Savings Calculator

Compare switching costs against potential monthly savings.

Stamp Duty (SDLT) Calculator

Estimate Stamp Duty for first-time buyers, movers and landlords.

Loan & Debt Calculators

Loan Repayment Estimator

Instantly see monthly and total repayment for any loan.

Debt Consolidation Savings Calculator

Compare multiple debts against a single consolidated loan.

PCP vs HP Car Finance Calculator

Compare monthly and total cost between PCP and HP finance.

Secured vs Unsecured Loan Risk Visualiser

Visualise the equity and risk trade-offs of secured borrowing.

General Eligibility & Budgeting Tools

Debt-to-Income (DTI) Ratio Checker

Check how your debt compares to your income, lender-style.

True Cost of Borrowing Calculator

Factor in fees to see the real total cost of any loan.