Use figures you recognise
Start with realistic information and check that the term, rate and property details match the scenario you want to explore.
Mortgage calculators
Explore the numbers behind your mortgage plans.
Use our calculators to estimate monthly repayments and property purchase taxes, compare different scenarios and prepare useful questions for a conversation with a Mortgage and Protection Advisor.
Choose a calculator
Start with the calculation that matches your question.
Each tool opens directly at the interactive calculator with freely visible illustrative results. When you are ready to talk through the figures, you can carry them straight into a short enquiry without re-entering them.
Buying & budgeting
Monthly payments and borrowing budget
Estimate monthly capital-and-interest repayments or explore an initial income-based borrowing range.
Mortgage Repayment Calculator
Estimate how a mortgage amount, interest rate and term could affect your monthly capital-and-interest repayments.
How Much Could I Borrow?
Explore how income, regular commitments and deposit may influence an initial borrowing estimate and property budget.
Property purchase taxes
Stamp Duty, LBTT and LTT across the UK
Compare property purchase tax bands for England and Northern Ireland, Scotland, and Wales.
Existing homeowners
Overpayments and remortgage comparisons
Explore how overpaying or switching between 2-year and 5-year fixed deals could affect your payments and balance.
Mortgage Overpayment Calculator
Explore how a regular overpayment or a one-off lump sum could affect the interest and term remaining on a repayment mortgage.
Remortgage Calculator
Compare an existing mortgage with 2-year and 5-year fixed alternatives and explore how payments and costs may change.
Understanding the result
An estimate is a starting point, not a mortgage decision.
Mortgage calculators are useful for exploring possibilities. They can show how changing an amount, term or assumed interest rate may affect an estimate, helping you prepare for the decisions and questions ahead.
They cannot assess your full circumstances or confirm what a lender will offer. Lenders consider income, expenditure, credit history, the property, the purpose of the borrowing and their own criteria at the time of application.
Unless a calculator explicitly says otherwise, its result may not include every fee, insurance cost, legal cost, valuation charge, early repayment charge or other expense connected with a mortgage or property purchase.
Try more than one scenario
Adjust one input at a time. Comparing different terms, amounts or assumed rates can make the effect of each choice easier to understand.
Look beyond the monthly figure
A lower estimated payment does not automatically mean a mortgage is more suitable. Consider the term, overall cost, fees, flexibility and your wider circumstances.
Preparing for the next step
Turn the calculation into a more informed conversation.
Make a note of the figures you entered and the result you received. It can also help to record which assumptions you changed and what you are trying to understand—for example, a comfortable monthly budget, the potential cost of buying or the effect of a different mortgage term.
A Mortgage and Protection Advisor can then consider the questions behind the estimate, explain which additional information may matter and help you understand the next appropriate step—whether you are buying your first home, moving house, reviewing a remortgage or 2-year vs 5-year fixed rate comparison, comparing fixed and variable mortgages, or assessing a buy-to-let property.
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Save your inputs
Keep the mortgage amount, term, assumed rate and any property details you used.
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Write down the question
Identify what the estimate is helping you explore rather than treating the number as an answer on its own.
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Discuss the wider picture
Consider affordability, lender criteria, costs, protection needs and the timescale involved.
Client reviews
What Anderson Reed Financial Services clients say about their experience.
Clear explanations and practical support can be just as important as the figures themselves.
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“Scott, Held our hand from start to finish with our purchase. Amazing service.”
Need help with the next step?
Put the figures into the context of your circumstances.
A calculator can help you explore a scenario, but it cannot take account of everything a lender may consider. Speak to a Mortgage and Protection Advisor if you would like to discuss the questions behind your estimate and understand what information may be needed next.
Questions about our mortgage calculators
Are calculator results a mortgage offer?
No. A calculator provides an estimate based on the figures and assumptions entered. It is not a mortgage offer, a decision in principle or confirmation that a lender will accept an application.
Will using a calculator affect my credit file?
Using a calculator on this website does not carry out a credit search. A lender or other provider may carry out checks later in the mortgage process, but that is separate from using these tools.
Why might a lender’s figures be different?
A lender will assess more information than a simple calculator can consider. This may include income, expenditure, existing commitments, credit history, the property, the purpose of the borrowing and the lender’s criteria at the time.
Do the results include every mortgage and buying cost?
Not necessarily. Unless a calculator says otherwise, the estimate may exclude fees, legal work, valuation costs, insurance, early repayment charges and other costs connected with a mortgage or property transaction.
Which property purchase tax calculation should I use?
Property purchase taxes differ across the UK. The appropriate calculation depends on whether the property is in England or Northern Ireland, Scotland or Wales, as well as the circumstances of the purchase. The calculator should identify the assumptions and rules used for the estimate.
What should I do after using a calculator?
Keep a note of the figures and assumptions you used. If you would like help understanding what the estimate may mean for your plans, speak to a Mortgage and Protection Advisor about your circumstances and likely next steps.
Editorial provenance & source verification
Calculator assumptions
How this financial guidance is written, reviewed and kept accurate
Prepared by Anderson Reed Editorial Team and reviewed by Nigel Kent (CeMAP Qualified Adviser, Mortgage and Protection Adviser). Last substantive review: .
Scope checked: Capital-and-interest amortisation formulas, interest-only monthly payment calculations, income multiple illustrations, and overpayment term-reduction assumptions. Scheduled internal accuracy checks do not alter our published review date unless a material update to rules, rates or guidance is approved and published.
Primary official sources & regulatory references
- FCA Handbook MCOB 4 & 11: Advising, Selling and Affordability Standards Source: Financial Conduct Authority
- Stamp Duty Land Tax, LBTT and LTT Official Calculators & Guidance Source: GOV.UK / Revenue Scotland / Welsh Revenue Authority