Disclaimer
Last updated: 28 August 2026
Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home.
This is information, not advice
Mortgages Calculators UK is not authorised or regulated by the Financial Conduct Authority and does not provide regulated mortgage advice. Nothing on this site is a personal recommendation. Our calculators produce estimates from the figures you enter; they are a planning aid, not a decision.
Results are estimates, not offers
No lender is bound by anything shown here. Lenders assess income, credit history, committed expenditure, the property itself and their own risk model before offering anything, and different lenders reach materially different answers from identical information. The only figure that counts is one in a written mortgage illustration or offer.
Assumptions our calculators make
- A constant interest rate across the whole term. In reality you will remortgage every few years onto whatever rate is available then. Long-term interest totals are projections, not forecasts.
- Monthly compounding. Some lenders calculate interest daily, which produces small differences from our figures.
- Payments made on time, every month. No missed or late payments, no payment holidays.
- No changes to the loan beyond those you enter, so no further advances, no term changes, no product switches.
- Standard residential treatment unless a calculator says otherwise. Shared ownership, right to buy, self-build and bridging all work differently.
- Illustrative rates. Where a rate is pre-filled it reflects a published market average, not a product available to you.
- Simplified tax. The affordability calculator's take-home estimate uses England, Wales and Northern Ireland income tax and National Insurance thresholds and ignores pension contributions, student loan repayments, salary sacrifice, benefits and Scottish income tax rates. It is a sanity check, not a payslip.
Tax calculations
Our stamp duty calculator covers standard residential purchases under SDLT, LBTT and LTT. It does not handle every situation: mixed-use property, multiple dwellings relief, uninhabitable property claims, corporate purchases, non-resident status, linked transactions or shared ownership staircasing all have separate rules. Your conveyancer files the return and is responsible for the final figure. Confirm any tax position with them before you commit.
Rates and data
Market rates, base rate and tax bands change, sometimes without much notice. Every page shows when its data was last verified. If that date is old, treat the figures with corresponding caution and check a primary source. Average rates published by different providers differ substantially because they measure different product sets, and we say so on the pages where it matters.
Third-party information
We reference published data from the Bank of England, HMRC, Revenue Scotland, the Welsh Revenue Authority, the ONS and market trackers including Rightmove and Moneyfacts. We are not responsible for the accuracy of third-party data, and referencing a source is not an endorsement of it.
What you should do
- Use these tools to understand your position and compare options.
- Speak to a whole-of-market mortgage broker or lender for advice on your circumstances.
- Confirm tax with your conveyancer or an accountant.
- Read your mortgage illustration and offer document carefully, especially the early repayment charge and overpayment allowance in particular.
If you believe something on this site is wrong, please tell us. We correct errors quickly and update the verification date on any page we change.