Mortgage and home buying calculators for the UK
Repayments, deposits and what buying a home really costs.
- 8 free calculators
- Updated for 2026/27
- Official figures, no sign-up
Calculators
- Mortgage Your monthly repayment, total interest and loan-to-value, repayment or interest-only.
- Stamp Duty Stamp Duty, LBTT or LTT on a home in England, Northern Ireland, Scotland or Wales.
- Mortgage Affordability How much you could borrow for a mortgage, and the price it lets you buy.
- Mortgage Overpayment How much sooner overpaying clears your mortgage, and the interest saved.
- Rent vs Buy Is it cheaper to rent or buy? Compare what you’d have after you sell.
- Rent Affordability How much rent fits your income, and what it costs to move in.
- Remortgage Is remortgaging worth it after fees? See your new payment and what you’d save.
- Buy-to-Let Rental yield, cash flow and return on your deposit for a buy-to-let.
Guides
All UK guides- Buying a home Stamp Duty for first-time buyers How Stamp Duty relief for first-time buyers works in England and Northern Ireland, who qualifies, what you'll pay at each price, and Scotland and Wales. Read the guide
- Buying a home First-time buyer guide: deposit, Lifetime ISA and mortgage Buying your first home in the UK, step by step: the deposit you need, how the Lifetime ISA helps, how much you can borrow and what it all costs. Read the guide
- Money basics Inflation and interest rates in the UK, explained What inflation is, why the Bank of England raises and cuts Bank Rate, and what both mean for your savings, debts and mortgage. With an interactive example. Read the guide
- Money myths Myth: renting is throwing money away (UK) Owners pay a lot they never get back too: mortgage interest, repairs, service charges and Stamp Duty. How to compare renting and buying fairly in the UK. Read the guide