Mortgage & Stamp Duty Calculators
Work out the numbers before you speak to us
Check your stamp duty, see what your monthly payments could be, and get a rough idea of how much you could borrow. When you're ready, we'll search the whole market for the right mortgage.
Stamp duty calculator
Stamp Duty Land Tax on a residential purchase, using the current HMRC rates.
Choose "Additional property" if you'll own more than one home after buying, unless you're replacing your main residence.
| Band | Rate | Tax |
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For illustration only. Rates for completions in England and Northern Ireland. Scotland (LBTT) and Wales (LTT) have their own rates. Leasehold rent, mixed-use and company purchases can be taxed differently; your solicitor will confirm the final figure.
Monthly payment calculator
See your monthly payment, including the effect of adding lender fees to the loan.
For illustration only. Assumes the same rate for the whole term. In practice your rate will change when any initial deal ends, and adding fees to the loan means you pay interest on them.
How much could I borrow?
Most lenders start with a multiple of your income, then check your outgoings and credit history.
Before tax. Include guaranteed overtime or allowances; bonuses and self-employed income are treated differently by each lender.
Add your monthly commitments (optional)
Lenders reduce what you can borrow for regular outgoings. Enter monthly amounts.
Typically, with a joint income above £50,000, many lenders will lend up to 5 times income, and from £75,000 some will lend up to 5.5 times. These higher multiples usually need at least a 10% deposit.
For illustration only, and not an offer to lend. Each lender sets its own criteria. Higher multiples are usually limited to higher earners or certain professions, and your outgoings, credit history and the property all affect the final amount. We'll give you a firm figure once we've looked at your circumstances.
Want us to run the real numbers?
Calculators give a guide. We search the whole market, check which lenders fit your circumstances, and confirm every cost in writing. Calls and meetings are always free, with no obligation.
Important
These calculators are for illustration only and do not constitute financial advice. Your home may be repossessed if you do not keep up repayments on your mortgage. Stamp duty figures are based on HMRC rates for England and Northern Ireland and may change.