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Mortgage Calculator

Mortgage Calculator

Find out what your monthly repayments could be, how much you could borrow, and how long it might take to save your deposit.

1. How Much Can I Borrow?

Based on your income, deposit and lender affordability criteria.

£
Combined gross annual income.
£
Loans, credit cards, car finance.
£
x
Typical range: 4.0x – 5.0x annual income.

Estimated Maximum Property Price

£0
Maximum Borrowing
£0
Your Deposit
£0
Loan-to-Value
0%

2. Stamp Duty (SDLT)

England & Northern Ireland residential rates.

£

Stamp Duty Due

£0
Purchase Price
£0
Effective Rate
0%
Total Cash Outlay
£0

3. Monthly Payments

Calculate your monthly repayments based on your loan details.

£
years
Estimated Annual Interest Rate 5.00%

Estimated Monthly Payment

£0
Total Interest
£0
Total Repaid
£0
Loan Amount
£0
Balance vs Interest Paid Over Time

4. Saving for the Deposit

See how long it will take to reach your deposit goal.

£
£
£
Annual Savings Rate 4.00%

Time to Reach Goal

0 Years, 0 Months
Total Saved
£0
Interest Earned
£0
Monthly Contribution
£0
Important Information This calculator is provided for informational purposes only and is not financial advice. Results are estimates based on the inputs provided. Actual loan terms, interest rates, stamp duty liability and repayments may differ. The calculator does not account for additional costs such as legal fees, surveys, insurance or arrangement fees. Always seek independent financial and legal advice before making property decisions.