UK Mortgage Calculator

Estimate your monthly repayments and how much you could borrow. Everything runs in your browser — we never see, send or store what you type.

Five things to check before applying

1. Get an Agreement in Principle first. It is a soft-check estimate from a lender of what they would lend you. Estate agents increasingly expect one before taking an offer seriously — and it stops you falling in love with homes you cannot finance.

2. Mind the LTV bands. Rates step down at 90%, 85%, 80% and 75% loan-to-value. If your deposit is just short of a band edge (say 14.5% instead of 15%), finding the extra can cut your monthly payment meaningfully.

3. Look at the total cost, not just the headline rate. A low rate with a £1,499 arrangement fee can cost more over a 2-year fix than a slightly higher rate with no fee — especially on smaller loans.

4. Protect your credit file in the months before. Avoid new credit applications, keep card utilisation low, register on the electoral roll, and never miss a payment — lenders look back at least three to six months.

5. Budget beyond the mortgage. Stamp duty (if applicable), survey, conveyancing, moving costs and an emergency buffer. A good rule of thumb is to keep 2–5% of the purchase price aside for everything that is not the deposit.

Related guides: Buying your first home in the UK, step by step · How to check crime rates before buying