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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? We’ll ask you how many people will be applying, what their income is and whether you’re buying the first time, remortgaging or buying a new or second home. We’ll also ask about your regular spending, such as repayments for credit and store cards, catalogue purchases, loans, overdrafts, maintenance and your pension. You don’t need to tell us about general household spending, such as groceries, travel and utility bills.

Ready to take the first step?

Take the first step to buying your home and get an indication of what you could borrow in under 15 minutes. It won’t affect your credit rating.

Mortgage cost calculator

How much would a mortgage cost?

See examples of costs for different mortgage types and interest rates.

How much can I borrow?

Mortgage borrowing calculator

Calculate how much you could borrow as a mortgage for a property you’ll live in, based on your salary or other income, and your financial situation.

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

Call us1any time – lines may be closed at off-peak times on bank holidays and during Christmas.

0800 197 1081