How much can I borrow?
Find out how much you might be able to borrow based on your income.
Mortgage Calculators
Whether you’re working out how much you can borrow, what your monthly repayments might be, or how much you'll pay in stamp duty, our calculators are here to help.
Mortgage repayment calculator
Enter a few details and find out how much you can expect to pay each month, along with your total mortgage cost over the course of the term.
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Results
Let's find how much your repayments might be. Just pop in a few details to get started.
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Stamp Duty calculator
Find out how much you could save on stamp duty after the latest changes
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Overpayment calculator
Find out how much you might save by making overpayments on your mortgage
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Base Rate calculator
Find out how changes to the Bank of England base rate might affect your mortgage repayments
Need help with your mortgage?
For free mortgage advice, visit Fluent to speak to one of their expert mortgage brokers
Should I take the maximum amount I can borrow?
It is completely up to you. However, it’s always important to consider how much you can afford and borrow an amount you feel comfortable with. In fact, if you fail to stick to your mortgage repayments, you may incur fines. In a worst-case scenario, you may even risk having your home repossessed.
Also, there are other important factors you may want to take into account. Your personal situation could change in the future, as you may start a family, take a career break, or find a new job in a completely different field. All these aspects could have an impact in the long run on whether you will be able to cover heftier mortgage debt.
Do mortgage calculators come with credit checks?
Don’t worry, the answer is no. We won’t perform any credit checks if you use our mortgage calculators. In fact, you’re not even asked to insert your name, as it simply uses some mortgage-related information to give you a rough idea of how much you could borrow.
Lenders will perform a full credit check only when you’re ready to apply for a mortgage. Bear in mind that this will be marked on your credit file.
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Reviewed on 11 Dec 2025