Calculators
Seven quick tools to sketch out the numbers before we speak. They are guides only; your adviser will give figures based on your circumstances.
Mortgage repayment
Monthly cost on a repayment or interest-only basis.
Illustrative only. Your home may be repossessed if you do not keep up repayments on your mortgage.
Affordability
A rough borrowing guide based on income.
A guide only. Lenders assess affordability individually; the amount you can borrow depends on your circumstances.
Stamp duty
England (SDLT), Scotland (LBTT) and Wales (LTT), 2025/26 bands.
Estimate only. Wales has no first-time-buyer relief. Confirm liability with your conveyancer.
Overpayment
See the interest and time a monthly overpayment could save.
Check whether your lender applies overpayment limits or early repayment charges.
Loan to value
Your LTV band and the deposit needed for the next one.
Lower LTV bands (typically 90%, 85%, 75%, 60%) can open lower rates.
Rental yield
Gross and net yield on a buy-to-let.
Most buy-to-let is not FCA-regulated. Tax depends on your circumstances; speak to an accountant.
Payment holiday
The impact of pausing payments for a few months.
Interest usually accrues during a payment break, so future payments rise. Agree any break with your lender.
Want the real figures?
Book a call and we will run accurate numbers for your situation.