Quick, interactive tools to help estimate what you could borrow, what your monthly repayments may look like, your Stamp Duty position, and more.
These calculators are for guidance only and do not constitute financial advice.
For personalised recommendations, please speak with an adviser.
Mortgage Calculators
ASCERTAIN YOUR BORROWING POWER
How to Use This Page
Our mortgage calculators are designed to give you clear, quick estimates to support your research.
Here’s how to get the most from each tool:
Important:
These tools provide general estimates only and do not replace personalised mortgage advice.
Every lender uses different criteria, and your actual borrowing amount may vary.
If you’d like tailored guidance, we’re here to help.
1
Start with the Affordability Calculator
Enter your income and monthly commitments to get a rough idea of what lenders may allow you to borrow.
This provides a helpful starting point before you explore properties or speak with an adviser.
2
Check Your Monthly Repayments
Use the repayment calculator to understand how different loan amounts, interest rates and mortgage terms affect your monthly costs.
3
Estimate Your Stamp Duty and LTV
If you're looking at specific properties, the Stamp Duty calculator and Loan-to-Value (LTV) tool help you understand potential upfront and ongoing costs.
4
Compare Options or Re-mortgage Savings
The income multiple tool and remortgage checker let you explore how different scenarios might impact borrowing capacity or monthly savings.
Mortgage Calculator - Frequently Asked Questions
How accurate are mortgage calculators?
Calculators provide a useful starting point, but they are estimates.
Actual borrowing depends on lender criteria, credit history, stress tests, household spending, and product availability.
Why does my borrowing amount differ between lenders?
Each lender uses its own affordability model.
Some may offer higher income multiples, while others place more emphasis on credit commitments, dependants or variable income.
What interest rate should I enter into the repayment calculator?
Use the approximate rate of the type of product you're researching (e.g., 2-year fixed, 5-year fixed, tracker).
For tailored rates and product recommendations, speak with an adviser.
Does Stamp Duty differ if I'm a first-time buyer?
Yes. First-time buyers often receive relief on the first portion of the property value (subject to thresholds).
Additional property purchases may incur a 3% surcharge.
Helpful Tools and Guides
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How Much Can I Borrow? Click here.
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Mortgage Interest Rate Predictions 2026. Click here.
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Fixed vs Tracker Mortgage 2025 Guide. Click here.
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First-Time Buyer Mortgage Guide. Click here.
Last updated: December 2025
Important Disclaimer: These calculators provide estimates for illustration only and do not constitute advice.
Eligibility and affordability depend on lender criteria, credit checks, and individual circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage or other debts secured on it.