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

718

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.How long to save for a house depositSee 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 mortgage 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 mortgage 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.

718 verified reviews, rated 5.0

271 reviews on Google and 447 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.

5.0 average · Google & VouchedFor

VouchedFor

Mortgage renewal. Renewing mortgage at end of fixed term and releasing equity for home improvements. Yes Nothing, fantastic service.

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

Purchasing a property/lack of personal time John’s been fantastic, going beyond what I would have expected with mortgage advice in regards to key things to check with the seller which may be an issue later on. The process has taken a long time (due to sorting things with the seller) where John was very patient and always in contact to support if needed. Yes

Verified client in Lincolnshire

Review of John Hallam

VouchedFor

I was looking for a mortgage and Nick was highly recommended Nick worked above and beyond to provide me with the ideal mortgage Yes, I received the perfect outcome Everything was brilliant

Verified client in Lincolnshire

Review of Nick Spolton

718

Five-star reviews

5.0★

Average rating

Read all 718 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.