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Mortgage calculators and tools
Use our mortgage calculators and tools to understand how much you may be able to borrow. Learn what your monthly mortgage repayments could be and if you could save by making overpayments.
Our other mortgage calculators
From switching rates to overpayments, find out what your options are with our other mortgage calculators and tools.
Planning for a change to your mortgage?
Use our interest rate and mortgage overpayment checkers to see how change in interest rate or payment may impact your mortgage.
Mortgage Calculator FAQs
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Our mortgage calculators are free and easy to use. Whether you want to work out how much you could borrow or what your repayments may be, our online calculator tools can help.
You can also use our calculators for more specific mortgage queries, such as:
- Remortgaging
- Overpayments
- Interest rate changes
- Borrowing more
- Switching your deal
- Buying a second home.
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How much you can borrow will depend on your circumstances. Before making you a mortgage offer, lenders look at various factors to see how reliable you are financially.
A lender will consider:
- Your income
- Your total deposit
- Your monthly bills
- Current debt
- Current loan or other mortgage repayments
- Your credit rating.
Want to get an idea of how much you could borrow? Apply for an Agreement in Principle to see what we could lend you.
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You’ll need to give a lender:
- Proof of ID, such as a passport or driving licence
- Personal bank details
- Employment and income history
- Details on any debts you have
- How much you spend on bills.
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To get an idea of how much you could borrow, we only need some basic personal information, including your household income and outgoings.
To work out how much your repayments could be, we’ll also need details such as:
- How much the property costs
- How much deposit you are putting down
- The length of your mortgage term.
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Mortgage interest rates are an extra charge you’ll pay when taking out a mortgage. Higher interest rates mean you’ll pay more over the term of your mortgage. How much interest you’ll have to pay each month can depend on the deal you get.
Other calculators and tools
We have other calculators and tools to help you. Try our Eco Home Tool for tips and suggestions on how to make your home more sustainable. Or use our conveyancing service to get quotes for your legal costs.
Banking online
It's simple and safe to manage your mortgage in our app or on our website.
