Free tools

Mortgage calculators to help you plan your next move

Understanding what you can borrow, the deposit you might need and what your payments could look like makes planning so much easier. Use the calculators below, then talk it through with a real adviser.

01529 300500

701

Five-star reviews

Local

Family-run since 2017

FCA

Registered · No. 993383

First-time buyers

Plan your first purchase, from deposit to stamp duty.

Mortgage affordability calculatorGet a guide to how much you could borrow.Mortgage deposit calculatorWork out your deposit, loan and loan to value.Mortgage deposit saving calculatorSee how long it could take to save your deposit.Low deposit mortgage calculatorCheck the numbers on a 5% or 10% deposit purchase.Stamp duty calculatorEstimate the stamp duty (SDLT) on your purchase.Total cost of buying a house calculatorBudget the full cash cost of buying a home.Shared ownership calculatorEstimate mortgage plus rent on a shared ownership home.

Homeowners & remortgaging

Manage and reduce the mortgage you already have.

Mortgage repayment calculatorSee estimated monthly payments, interest and total cost.Mortgage overpayment calculatorSee how overpaying could cut your term and interest.Mortgage deal comparison calculatorCompare two deals on rate, fees and fixed period.

Buy-to-let & landlords

Check the numbers on a rental investment.

Buy-to-let calculatorCheck rental yield and whether the rent passes lender stress tests.

Self-employed

Built around how lenders treat self-employed income.

Self-employed mortgage calculatorSee how lenders may average your profit to work out borrowing.

Armed Forces

For serving personnel and veterans using Forces Help to Buy.

Armed Forces Help to Buy calculatorWork out your Forces Help to Buy advance and deposit.

Protection

Make sure your plans and your family are protected.

Life insurance calculatorEstimate the life cover your family may need.

All calculators give guide figures only and do not constitute mortgage advice or an offer of credit. For a personal illustration based on your circumstances, get in touch. Your home/property may be repossessed if you do not keep up repayments on your mortgage.

What clients say

701 verified reviews, rated 5.0

258 reviews on Google and 443 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.

5.0 average · Google & VouchedFor

VouchedFor

I was looking to buy my first house on my own at 24 and knew nothing about the process, mortgages etc Nick helped find me the best mortgage deal and explained each process of buying the house right from the start to end so I could understand. any questions I had nick would answer and I felt very supported throughout Yes I finalised on my house in December 2024 with the best mortgage deal available to me at that time I do not believe that there is anything more I could have asked of Nick

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

My partner had a property for sale, and we were looking to buy a property together. Tom helped us with budgeting, what mortgages were suitable for us, insurances, chasing solicitors, answering questions on queries that came up along the way. He was also there to help managing the buying process. Tom came up with a perfect solution to our situation. Absolutely nothing

Verified client in Lincolnshire

Review of Tom Clifton

VouchedFor

My husband and I needed mortgage advice to buy a home to live in and convert to a buy to let mortgage on our former home. Nick really helped, he gave us expert advice and secured a brilliant interest rate for us. Nick made the process efficient and hassle free, thank you. Yes absolutely, we are very happy with the outcome. Nothing.

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

To find the best deal while renewing my mortgage. Nick has been professional and efficient throughout the process. Explaining clearly the options out there and finding the best deal for me. Yes a mortgage that is affordable and allows me to be confident with my current finances. N/A

Verified client in Lincolnshire

Review of Nick Spolton

701

Five-star reviews

5.0★

Average rating

Read all 701 reviews

From first chat to front-door key

Let’s make your move simple

Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.

01529 300500

Free until your offer is approved No jargon, no pressure Whole-of-market advice

Your home/property may be repossessed if you do not keep up repayments on your mortgage.