UK Mortgage Calculator & Tax

Plan a UK mortgage with tools built for buyers, homeowners, remortgagers and landlords across England, Northern Ireland, Scotland and Wales.

MORTGAGE REPAYMENTS

Estimate monthly capital-and-interest or interest-only payments over terms from 5 to 40 years. View a full amortisation schedule showing how each payment affects principal, interest and the remaining balance.

AFFORDABILITY AND STRESS TESTING

Estimate a potential borrowing range using income, commitments and household outgoings. Apply your own stress rate to see how repayments could change if rates rise. Results are estimates only and do not represent lender approval.

OVERPAYMENTS AND REMORTGAGING

See how regular overpayments or a lump sum could reduce total interest and shorten the mortgage term. Add an early repayment charge where relevant. Compare your current deal with a new one and estimate the break-even point after fees.

PROPERTY TAX TOOLS

Estimate the property transaction tax that may apply in different UK nations:

• SDLT for England and Northern Ireland
• First-time buyer relief
• Additional-property surcharge
• Non-UK resident surcharge
• LBTT and Additional Dwelling Supplement for Scotland
• LTT and higher residential rates for Wales

BUY-TO-LET ANALYSIS

Calculate gross yield, net yield after costs and rental coverage. Compare purchase price, deposit, rent, running expenses and mortgage costs in one place.

MORE USEFUL TOOLS

• Compare up to three mortgage deals side by side
• Track a fixed-deal expiry date and set a remortgage reminder
• Model a legacy Help to Buy equity loan for existing borrowers
• Save calculation history
• Export results to PDF
• Use dark mode
• Work offline with no account required

IMPORTANT INFORMATION

This app provides independent educational calculations and estimates. It is not financial, mortgage, tax or legal advice and does not guarantee eligibility, approval or savings.

Help to Buy: Equity Loan is closed to new applications in England. The related calculator is intended for existing equity-loan borrowers only.

The app is not affiliated with or endorsed by HMRC, Homes England, Revenue Scotland, the Welsh Revenue Authority or the UK Government. Tax bands, lender criteria and mortgage rules can change. Always confirm current information with the relevant official authority, lender or qualified adviser.