Mortgage Calculator

Mortgage Calculator

Find out how much you could borrow, how much your monthly repayments would be and how much stamp duty you’d pay using our mortgage calculator

Calculate

Complete the form to see how much your mortgage payments could be.

Calculate

Complete the form to see how much you can borrow

Browse the latest mortgage products

Fixed rate mortgages - Ordered by lowest initial rate

  1. Great for
    Available for House Purchase, Remortgage or Product Switch
    Make overpayments below £1,000 each month without charge
    Fixed rate provides piece of mind for initial period
    But be aware that
    You will need a 40% deposit
    Not available for Buy to Let
    Min - Max loan amount £25,001 - £250,000

    Overall cost for comparison 3.9% APR. This is the cost of the mortgage over the whole term.  Early repayment charges may apply.

    • Provider

      TSB

    • Rate Type Fixed
    • Initial Rate 1.54% then 3.99%
    • Initial Period Until 31/05/2016
    • Max LTV 60%
    • Product Fees Yes
    • Sorry, we have no link

      Phone

      Call provider on0808 1637 438

      More details

    Home buyer only

    Available for purchase only

    Great for
    Min - Max loan amount £200,000 - £1,000,000
    Ability to make overpayments
    Payment holiday is available
    But be aware that
    £1,995 booking fee applies
    £265 completion fee required

    Overall cost for comparison 3.8% APR. This is the cost of the mortgage over the whole term.  Early repayment charges may apply.

    • Provider

      HSBC

    • Rate Type Fixed
    • Initial Rate 1.59% then 3.94%
    • Initial Period Until 30/06/2016
    • Max LTV 60%
    • Product Fees Yes
    • Go to site

      Phone

      More details

    2014 SUPERS

    The winners of the 2014 ‘Supers’ award for the Best mortgage provider

    Great for
    Maximum mortgage amount £500,000
    This rate is available for remortgage and house purchase
    Ability to make overpayments up to 20% of your standard monthly payments without early repayment charge
    But be aware that
    £1,999 booking fee applies
    Requires 40% deposit

    Overall cost for comparison 3.8% APR. This is the cost of the mortgage over the whole term.  Early repayment charges may apply.

Tracker mortgages - Ordered by lowest initial rate

    • Provider

      TSB

    • Rate Type Tracker
    • Initial Rate 1.54% then 3.99%
    • Initial Period Until 31/05/2016
    • Max LTV 60%
    • Product Fees Yes
    • Sorry, we have no link

      Phone

      Call provider on0808 1637 438

      More details

    Great for
    Min – Max loan amount £5,000 - £1,000,000
    Ability to make overpayments
    Payment holiday is available
    But be aware that
    £265 completion fee required
    £1,995 arrangement fee applies

    Overall cost for comparison 3.9% APR. This is the cost of the mortgage over the whole term.  Early repayment charges may apply.

  1. Great for
    Min – Max loan amount £500,000 - £2,000,000
    Mortgage award winners for ‘Best lender for flexible mortgages/ best service from a mortgage provider/ Best offset mortgage provider’
    Ability to make overpayments by up to 10% per year
    But be aware that
    £1,999 arrangement fee required
    Requires 35% deposit

    Overall cost for comparison 3.4% APR. This is the cost of the mortgage over the whole term.  Early repayment charges may apply.

  2. Great for
    Ability to make overpayments
    Payment holiday is available
    But be aware that
    Requires 40% deposit

    Overall cost for comparison 4% APR. This is the cost of the mortgage over the whole term.  Early repayment charges may apply.

Fees free mortgages - Ordered by lowest initial rate

  1. Great for
    Best fixed rate mortgage provider and mortgage lender 2013
    Ability to make overpayments
    But be aware that
    Payment holidays are not available
    Requires 35% deposit

    Overall cost for comparison 4.2% APR. This is the cost of the mortgage over the whole term.  Early repayment charges may apply.

    • Provider

      HSBC

    • Rate Type Fixed
    • Initial Rate 2.39% then 3.94%
    • Initial Period Until 30/06/2016
    • Max LTV 70%
    • Product Fees No
    • Go to site

      Phone

      More details

    2014 SUPERS

    The winners of the 2014 ‘Supers’ award for the Best mortgage provider

    Great for
    Mortgages available for property below £1,000,000
    Ability to make overpayments up to 20% of your standard monthly payments without early repayment charge
    No exit fee required when you pay your mortgage in full
    But be aware that
    Requires 30% deposit

    Overall cost for comparison 3.7% APR. This is the cost of the mortgage over the whole term.  Early repayment charges may apply.

  2. Great for
    Best fixed rate mortgage provider and mortgage lender 2013
    Ability to make overpayments
    But be aware that
    Payment holidays are not available
    Requires 25% deposit

    Overall cost for comparison 4.2% APR. This is the cost of the mortgage over the whole term.  Early repayment charges may apply.

First time buyer mortgages - Ordered by lowest initial rate

  1. Great for
    Min - Max loan amount £30,000 - £500,000
    Ability to make overpayments
    But be aware that
    £895 Completion Fee applies
    £100 booking fee applies
    Payment holidays are not available

    Overall cost for comparison 5% APR. This is the cost of the mortgage over the whole term.  No early repayment charges apply.

    • Provider

      HSBC

    • Rate Type Discounted Variable
    • Initial Rate 2.89% then 3.94%
    • Initial Period For 2 years
    • Max LTV 90%
    • Product Fees Yes
    • Go to site

      Phone

      More details

    2014 SUPERS

    The winners of the 2014 ‘Supers’ award for the Best mortgage provider

    Great for
    Maximum loan amount £400,000
    Ability to make overpayments up to 20% of your standard monthly payments without early repayment charge
    Only 10% deposit required
    But be aware that
    Booking fee applies £999

    Overall cost for comparison 3.9% APR. This is the cost of the mortgage over the whole term.  Early repayment charges may apply.

  2. Great for
    Min - Max loan amount £30,000 - £500,000
    Ability to make overpayments
    But be aware that
    £895 Completion Fee applies
    £100 booking fee applies
    Payment holidays are not available

    Overall cost for comparison 4.9% APR. This is the cost of the mortgage over the whole term.  No early repayment charges apply.

Why would you use a mortgage calculator?


Mortgage calculators are useful guidance tools which give you an idea of either: how much you will be allowed to lend, based on your earnings, or how much your mortgage repayments will be, based on the amount borrowed, the interest rate and term of the mortgage. 


Here at MoneySupermarket we have two types of mortgage calculator. The borrowing mortgage calculator will tell you know how much money you will be able to borrow to buy your new property. The mortgage repayment calculator tells you how much you will need to repay on a monthly basis. 


Our mortgage calculators can give you an indication of what you can afford to borrow and what your monthly repayments will be, but you should remember that these only offer an indication, as different lenders have different ways of assessing what you can borrow and how you make repayments.
 

What information you'll need to use our mortgage calculators 


To use our borrowing mortgage calculator, all you will need is your current income and the income of your partner - if you're planning on buying a property as a couple. 


When you enter your yearly income and hit calculate, it will return an estimate of the maximum amount you will be able to borrow. For example, if your income is £20,000 and your partner's income is £20,000, you should be able to borrow around £120,000. 


Our mortgage repayment calculator is different, and to make sure the answer returned is realistic you need to need to ensure you enter accurate information. 
To use our mortgage repayment calculator you will need to know the loan amount you require, the interest rate you will be borrowing at and how long you want to take out your mortgage for. 


For example, if you entered a loan amount of £100,000 at an interest rate of 5% over a 25 year term, then your monthly repayment amount will be roughly £584.59. 
 

What else do you need to remember? 


When working out your mortgage payments using our mortgage calculator, you should also factor in arrangement fees, as the initial set-up costs can vary significantly from lender to lender. See our mortgage channel to find the best possible rate available for you.

 

Close

Cookie use

MoneySupermarket uses cookies, small text files which are downloaded to your computer's hard drive when you visit most websites.

Read more

Cookies are harmless files which can help improve the experience. Cookies allow websites to respond to you as an individual. The website can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

Read less | Cookie Policy

Close