Mortgage calculators

Work out the kind of mortgage you could afford

Use our mortgage affordability calculators to work out how much you could borrow and what kind of deposit you need for a mortgage.

  • Work out how much you could qualify to borrow
  • See what your monthly payments might be
  • Check how an interest rate change could affect you

Mortgage affordability calculators

How much can I afford to borrow as a mortgage? Our calculators give you a rough idea of what you might be able to borrow from us to buy a home, and what your monthly and total mortgage payments could be for various types of mortgage. 

How do you assess what I can afford as a mortgage? When you apply for a mortgage, we’ll ask for the number of applicants, what their income is and whether you’re first-time buyers, remortgaging or buying a new or second home. We’ll also ask about your regular spending, such as payments for credit and store cards, loans, overdrafts, maintenance and your pension. We won’t ask about groceries, travel and utility bills.

Quick mortgage calculator

Work out a rough estimate of how much you could borrow, based on your income and outgoings – takes a few minutes.

Full mortgage calculator

Get a more accurate estimate of how much you could borrow from us – takes about 5 to 10 minutes.

Repayments calculator

See examples of monthly mortgage repayments and costs, along with interest rates for mortgages you could be eligible for.

Get an Agreement in Principle

Take the first step to buying or remortgaging your home. Find out quickly if you could borrow the amount you need – without affecting your credit score.

Interest rate calculator

What if your rate changes?

See how a change of interest rates would affect your mortgage payments

Offset mortgage calculator

See how much you could save

Use our offset mortgage calculator to see how your savings could reduce your mortgage term or monthly payments.

Buy to let calculator

See if we could lend the amount you need for a property you’ll rent out.

Need some help?

Chat to us online

Chat to us online if you have a question about using our mortgage calculator.

Call us

0333 202 7580

Lines are open 8am to 8pm, every day. To maintain a quality service, we may monitor and record phone calls. Call charges.

Barclays Money Mentors

First home or new home, we’re here to help

Buying your new home should be exciting, which is why we’re here to offer you guidance on how you can achieve your goals.

You can also check our full mortgage range [PDF, 616KB] to see if our other mortgages are suitable for you, download our tariff of mortgage charges [PDF, 265KB] and read our legal information.