Monthly payments
Estimate repayment or interest-only mortgage costs.
Use repayment calculator →UK Mortgages & Property — Calculators, Guides & Tools
Work out mortgage repayments, affordability, stamp duty, overpayment savings, remortgage comparisons and loan-to-value in one connected UK property hub.
Search other calculators & tools
Buying budget
Estimate borrowing, deposit impact and property budget.
Check affordability →Property tax
Calculate SDLT, LTT or LBTT across the UK.
Calculate stamp duty →What this hub covers
This Mortgages & Property hub is built around the main money decisions people face when buying, owning or switching a UK mortgage.
Start with affordability if you are planning a purchase, then use the repayment calculator to estimate monthly payments. Before making an offer, check property tax with the stamp duty calculator and calculate your loan-to-value from your deposit or mortgage amount.
If you already have a mortgage, use the overpayment calculator to estimate interest savings or the remortgage comparison calculator to test whether a new deal could save money after fees. The supporting guides and glossary terms explain the calculations in plain English.
UK mortgage rates and property tax rules change. This hub uses June 2026 context and links calculators together so users can check the full journey rather than one isolated figure.
Follow the mortgage decision journey
The strongest way to use these tools is in sequence, because each result affects the next decision.
1. Affordability
Estimate possible borrowing and property budget before viewing homes.
2. Repayments
Test monthly payments at different rates, terms and mortgage types.
3. Buying costs
Check property tax and leave room for legal, survey and moving costs.
4. Optimise
Compare remortgaging, overpayments and LTV changes over time.
Mortgage & property calculator directory
Use these calculators to estimate the major figures behind buying, owning, overpaying or switching a mortgage.
UK Mortgage Repayment Calculator
Estimate monthly repayments, total interest and full-term cost for repayment or interest-only mortgages.
Monthly payment
Interest cost
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Mortgage Affordability Calculator
Estimate how much you may be able to borrow using income, deposit, debts, rate and payment limits.
Borrowing estimate
Property budget
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Stamp Duty Calculator
Estimate SDLT, LTT or LBTT for England, Northern Ireland, Wales and Scotland.
Buying tax
UK-wide
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Mortgage Overpayment Calculator
Estimate how much interest and time you could save by making regular or one-off overpayments.
Interest saved
Term reduction
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Remortgage Comparison Calculator
Compare your current rate with a new deal and calculate monthly saving, net saving and fee break-even.
Switching deals
Break-even
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Loan-to-Value Calculator
Work out your LTV, equity percentage and mortgage band from property value, loan amount or deposit.
LTV
Deposit/equity
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Compare mortgage and remortgage options
Once you know your likely payment, property tax, LTV and switching cost, compare mortgage deals or speak to a broker before choosing a product.
Compare mortgage dealsCalculatorz may earn a commission if you use this link. This doesn't affect any calculator result.
Supporting mortgage guides
These guides answer the practical questions behind the calculator results.
How Much Mortgage Can I Afford in the UK?
Understand how income, debts, deposit and rates affect your borrowing estimate.
Read guide →Repayment vs Interest-Only Mortgage: Which Costs More?
Compare lower monthly payments against long-term capital repayment risk.
Read guide →Should You Overpay Your Mortgage or Save Instead?
Compare mortgage interest savings with cash savings, tax, emergency funds and flexibility.
Read guide →Fixed Rate vs Tracker Mortgage: What Should You Choose?
Compare payment certainty with rate movement risk before choosing a mortgage type.
Read guide →First-Time Buyer Costs in the UK: Deposit, Stamp Duty and Fees
Plan the real upfront costs of buying, including deposit, tax, legal fees and surveys.
Read guide →Key terms in mortgages & property
Use these glossary pages to understand the terms used across the calculators and guides.
UK mortgage and property context
Mortgage planning depends on changing rates and rules. Bank Rate, lender pricing, affordability checks and property tax thresholds can all affect the final cost of buying or remortgaging.
Property tax also depends on where the property is located. England and Northern Ireland use SDLT, Wales uses LTT, and Scotland uses LBTT. A calculator that only handles England can miss important costs for UK-wide users.
Use the calculators as planning estimates, then check the official tax calculator, lender documents, broker quote or conveyancer advice before committing to a mortgage or property purchase.