Indicative estimate only, subject to lender criteria and valuation. This is not a mortgage offer. Your property may be repossessed if you do not keep up repayments.
95% LTV mortgage calculator
Residential
The loan and monthly payment with a 5% deposit, what your income supports, and how both compare at lower loan to values.
Indicative estimate only, subject to lender criteria, affordability and valuation. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
90% LTV mortgage calculator
Residential
The loan and monthly payment with a 10% deposit, what your income supports, and how both compare at other loan to values.
Indicative estimate only, subject to lender criteria, affordability and valuation. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
85% LTV mortgage calculator
Residential
The loan and monthly payment with a 15% deposit, what your income supports, and how both compare at other loan to values.
Indicative estimate only, subject to lender criteria, affordability and valuation. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
Fixed rate mortgage calculator
Residential
The payment during a fix, the balance when it ends, and what drifting onto the lender's follow-on rate would cost.
Indicative estimate only, subject to lender criteria, affordability and valuation. Early repayment charges may apply during a fixed rate. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
Tracker and variable rate calculator
Residential
How your monthly payment moves if the rate rises or falls, set against a fixed rate.
Indicative estimate only, subject to lender criteria, affordability and valuation. Tracker and variable payments can rise. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
Interest only mortgage calculator
Residential
Interest only, part and part and capital repayment side by side, and whether a repayment strategy covers what is still owed.
Indicative estimate only, subject to lender criteria, affordability and a credible repayment strategy. Investment values can fall as well as rise. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
Offset mortgage calculator
Residential
An offset mortgage against a standard one on the same balance, after the savings interest you would give up.
Indicative estimate only, subject to lender criteria, affordability and valuation. Offset savings earn no interest. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
Shared ownership mortgage calculator
Residential
The monthly cost of a shared ownership share, split between mortgage and rent, against a 95% mortgage on the whole home.
Indicative estimate only, subject to the housing association's assessment, lender criteria, affordability and valuation. Rent and service charges can rise. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
Help to Buy equity loan calculator
Residential
What repaying a Help to Buy equity loan costs today, the interest from year six, and the remortgage needed to clear it.
Indicative estimate only. The repayment figure depends on a RICS valuation that meets the scheme rules, and administration fees apply. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
Family help mortgage calculator
Residential
A family member's savings held as security for your mortgage, compared with gifting the same money as a deposit.
Indicative estimate only, subject to lender criteria, affordability and valuation. Savings held as security can be used to cover a shortfall if the property is repossessed. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
JBSP mortgage calculator
Residential
What a supporting borrower adds to your borrowing, what their age does to the term, and the stamp duty if they also go on the title.
Indicative estimate only, subject to lender criteria, affordability and valuation. Every borrower is liable for the whole loan. Stamp duty depends on your circumstances. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
Single person mortgage calculator
Residential
The most one income can borrow, the price your deposit reaches, and the monthly cost of a shared ownership share.
Indicative estimate only, subject to lender criteria, affordability and valuation. Lenders differ on which income they count and on the multiple they apply to one income, and shared ownership also depends on the housing association's assessment. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
Low income mortgage calculator
Residential
The loan your income supports, with benefits, maintenance or a pension counted as a lender would, and what that loan buys.
Indicative estimate only, subject to lender criteria, affordability and valuation. Lenders count benefit and other income in different ways, and shared ownership rent and service charges can rise. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
Teacher mortgage calculator
Residential
What a teacher could borrow at 5 or up to 6 times income, with and without the student loan deduction counted, and the monthly cost.
Indicative estimate only, subject to lender criteria, affordability and valuation. Lenders differ on whether and how they count a student loan deduction, and the thresholds change each April. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
Leasehold mortgage term calculator
Residential
The longest mortgage term your lease allows, and what you could borrow over it.
Indicative estimate only, subject to lender criteria, the lease, affordability and valuation. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
Buy to let mortgage calculator
Buy to let
How much you could borrow against a rental property, from the rent, your tax band and the lender's stress rate.
Indicative estimate only, subject to lender criteria and valuation. This is not a mortgage offer. Your property may be repossessed if you do not keep up repayments.
HMO mortgage calculator
Buy to let
How much you could borrow against a house in multiple occupation, from the total rent across the rooms.
Indicative estimate only, subject to lender criteria and valuation. This is not a mortgage offer. Your property may be repossessed if you do not keep up repayments.
Buy to let rent calculator
Buy to let
The monthly rent a lender needs to see for your loan, on two-year and five-year fixed rate stress tests.
Indicative estimate only, subject to lender criteria, rental assessment and valuation. This is not a mortgage offer. Your property may be repossessed if you do not keep up repayments on your mortgage.
Commercial mortgage calculator
Commercial
How much a business could borrow on premises it trades from, on adjusted net profit, or on property let to tenants.
Indicative estimate only, subject to lender criteria and valuation. This is not a mortgage offer. Your property may be repossessed if you do not keep up repayments.
Commercial investment calculator
Commercial
How much you could borrow against commercial property let to tenants, from the lease income.
Indicative estimate only, subject to lender criteria and valuation. This is not a mortgage offer. Your property may be repossessed if you do not keep up repayments.
Buy to let or commercial investment calculator
Commercial
The same property assessed as a buy to let and as a commercial investment, to compare what each could borrow.
Indicative estimate only, subject to lender criteria and valuation. This is not a mortgage offer. Your property may be repossessed if you do not keep up repayments.
Revolving credit facility calculator
Commercial
The facility a property could support on value and on rent, and the interest saved by drawing only what you need.
Indicative estimate only, subject to lender criteria, valuation and review. Facilities are reviewed and limits can be reduced, and the commitment fee comes from the lender's terms. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it.
Bridging loan calculator
Bridging finance
The gross bridging loan against a property's value or purchase price, before interest, fees and retained amounts.
Indicative estimate only, subject to lender criteria and valuation. This is not a mortgage offer. Your property may be repossessed if you do not keep up repayments.
Probate loan calculator
Bridging finance
The Inheritance Tax on an estate, what is due before the grant, and the funding gap a probate loan would need to cover.
Indicative estimate only, subject to lender criteria, affordability and valuation. The Inheritance Tax figures follow the published bands as at October 2026 and leave out exemptions, reliefs and the probate fee, so this is not tax advice and not an offer of finance. Your home may be repossessed if you do not keep up repayments on your mortgage.
Development finance calculator
Development finance
The facility on a scheme from the lower of its value cap and its cost cap, and the equity you would put in.
Indicative estimate only, based on the figures you enter and the ceilings shown. Lenders also assess experience, planning, the build contract and the exit. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it.
Ground up development finance calculator
Development finance
The value and cost caps applied to a ground-up build, with the facility, your equity and the profit on cost.
Indicative estimate only, based on the figures you enter and the ceilings shown. Lenders also assess experience, planning, the build contract and the exit. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it.
Residential development finance calculator
Development finance
The facility on a housing scheme, and whether a buy to let refinance of each unit would repay it.
Indicative estimate only, based on the figures you enter and the ceilings shown. Lenders also assess experience, planning, the build contract and the exit. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it.
Commercial development finance calculator
Development finance
The finished building valued on its rent and yield, and the facility the value and cost caps allow.
Indicative estimate only, based on the figures you enter and the ceilings shown. Lenders also assess experience, planning, the build contract and the exit. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it.
Build to rent development finance calculator
Development finance
Rent turned into value, the facility on a build to rent scheme, and whether an investment loan on the let block would repay it.
Indicative estimate only, based on the figures you enter and the ceilings shown. Lenders also assess experience, planning, the build contract and the exit. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it.
PBSA development finance calculator
Development finance
Beds, rent and letting weeks turned into value for student accommodation, with the facility and the exit test.
Indicative estimate only, based on the figures you enter and the ceilings shown. Lenders also assess experience, planning, the build contract and the exit. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it.
Hotel development finance calculator
Development finance
A finished hotel valued on its trading, the facility under the value and cost caps, and the hotel mortgage exit.
Indicative estimate only, based on the figures you enter and the ceilings shown. Lenders also assess experience, planning, the build contract and the exit. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it.
Development finance calculator for Scotland
Development finance
Land and Buildings Transaction Tax on the site added to the scheme cost, then the facility under the value and cost caps.
Indicative estimate only, based on the figures you enter and the ceilings shown. Lenders also assess experience, planning, the build contract and the exit. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it. The LBTT figure is an estimate: reliefs, mixed-use rules and the buyer's position can change it.
Joint venture development finance calculator
Development finance
What you keep from a scheme funded conventionally against a joint venture, with or without a priority return to the funder.
Indicative estimate only, based on the figures you enter and the ceilings shown. Lenders also assess experience, planning, the build contract and the exit. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it. Joint venture terms are agreed scheme by scheme.
CCJ mortgage calculator
Specialist lending
The deposit a lender's loan to value limit needs with a CCJ, the most your income supports, and the monthly payment.
Indicative estimate only, subject to lender criteria, affordability and valuation. Each lender sets its own loan to value limit for a CCJ, so the limit you enter is an assumption. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage with defaults calculator
Specialist lending
The deposit needed at the loan to value a lender offers with defaults on your record, and any shortfall.
Indicative estimate only, subject to lender criteria, affordability and valuation. Each lender sets the highest loan to value for a credit history, and the figure you enter is your own assumption. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
Missed payment mortgage calculator
Specialist lending
The deposit and loan at the highest loan to value a lender offers after missed payments, checked against your income.
Indicative estimate only, subject to lender criteria, affordability and valuation. The highest loan to value is a figure you enter, not a lender's limit for missed payments, and each lender decides how it treats your credit history. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
IVA mortgage calculator
Specialist lending
The deposit a lender's maximum loan to value needs with or after an IVA, and the loan checked against your income.
Indicative estimate only, subject to lender criteria, affordability and valuation. Each lender sets its own maximum loan to value for a borrower with an IVA, so the limit is a figure for you to enter. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
CIS mortgage calculator
Specialist lending
Your CIS income annualised over 46 or 48 weeks, before and after the deduction, and what each reading lets you borrow.
Indicative estimate only, subject to lender criteria, affordability and valuation. Lenders read CIS income in different ways. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
Contractor mortgage calculator
Specialist lending
Your day rate annualised on a 48-week basis, the effect of the 46 weeks some lenders use, and the borrowing on each.
Indicative estimate only, subject to lender criteria, affordability and valuation. Each lender annualises contract income its own way. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
Japanese knotweed mortgage calculator
Specialist lending
How a knotweed management plan changes the loan, the cash needed at completion and the seller's proceeds.
Indicative estimate only, subject to lender criteria, affordability and valuation. The plan cost, retention and price reduction are your own figures, not market rates or lender terms. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
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Talk it through with an adviser
A calculator gives you a starting point. Twenty minutes on the phone is usually enough to tell you what is realistic.
