Mortgage calculators

Looking for a new mortgage?

Learn how much you could borrow and see how changes to your mortgage could affect your repayments. Use our online mortgage calculators to see potential mortgage rates and compare monthly payments. Our tools are all free to use.

Agreement in Principle

Get a personalised indication of how much you could borrow without impacting your credit score. Takes less than 10 minutes.

Mortgage Calculator

Find out what we may be able to lend you and what your monthly repayments could be. Takes less than five minutes.

Mortgage rate finder

Compare our mortgage rates and products. Get an indication of product fees and what your monthly repayments could be.

Interest rate changes

Are your interest rates changing? You could use our calculator to get an indication of how your payments might change.

Already have a mortgage with us?

If you already have a mortgage with us or want to work out more about your borrowing, we have some calculators that can help. Calculate the home equity you have built up already and find out if you could afford to overpay.

Home equity calculator

Already own your home? You could calculate the amount of equity you have in your property in as little as a minute. 

Overpayment calculator

You could save money on interest payments by making regular monthly overpayments or paying a lump sum (subject to the terms of your mortgage).

FAQs about our mortgage calculators

How much mortgage can I afford?

Our mortgage calculator can help you get an initial indication of how much money you may be able to borrow towards the purchase of a property. It also helps you understand what your potential monthly repayments could be.

Does the mortgage calculator impact my credit score?

No, using our mortgage calculator tool or getting an Agreement in Principle won't have any impact on your credit score. We would only conduct a full credit check with credit reference agencies if you went on to formally apply for a mortgage with us.

When should I use the mortgage calculator?

You can use our mortgage calculator as many times as you like, whenever you like. Generally, it makes sense to use it at the start of your journey to purchase a property, or if you are looking to remortgage to us. You can use it to get an initial understanding of what you may be able to afford, monthly repayments and potential interest rates.

A few more frequently asked Mortgage Calculator questions

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