Mortgage calculator

Work out your mortgage budget

See how much you could borrow and work out what your monthly payments might be with our mortgage calculators.

Mortgage Calculator

Choose a calculator

The results from the calculator are just examples to help you plan your budget. Neither provides all the details you need to choose a mortgage.
If you apply for a mortgage with us, we'll give you a document called a Key Facts Illustration that includes everything you need to know before making a decision.
You can also save copies of our latest mortgage rates and our tariff changes, and read our important legal information.

Your home may be repossessed if you do not keep up repayments on your mortgage.

How much can I borrow?

Get a rough idea of how much you could borrow for a residential mortgage based on your personal circumstances.

Your rough mortgage borrowing estimate

Change the deposit you can provide or the amount you want to borrow to see how that affects your result.

Loan to value of 

What will my mortgage cost?

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

The lower your loan to value, the more deals you can choose from.

Your situation


Monthly payment

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Initial rate

The interest rate you'll pay until the introductory period ends.

Follow-on rate

The interest rate you'll pay after your introductory period ends.

Initial payments

The amount you’ll pay each month during the introductory period of time and at the stated interest rate.

Follow-on payments

The amount you’ll pay each month after the introductory period ends at the stated interest rate.

Mortgage fee

Adding the fee to the mortgage means you’ll pay interest on it over the term, which increases the total amount you need to repay. You'll pay this fee when you submit your application. If the mortgage doesn't complete, we'll refund it providing no property valuation has taken place.

Early repayment charge

Charges you have to pay if you want to pay off the mortgage earlier than the agreed term, or if you want to make an overpayment that's more than your overpayment allowance.


The annual percentage rate of charge (APRC) shows the total cost of your mortgage, including the interest and any fees you'll pay. The percentage figure enables you to compare our mortgage APRCs with those of other lenders.

Loan to value (LTV)

The proportion of the property value you want to borrow. To work it out we divide the amount you want to borrow by the property value and multiply the result by 100.

Total you'll pay

The amount you'll pay for the mortgage over the agreed term. This amount doesn't include any fees you'll pay over the term of the mortgage.

Filter your results
Mortgage term
Mortgage type

Mortgage interest rate calculator

See how a change of interest rates would affect your monthly payments.

Your rough mortgage interest rate estimate

Based on what you told us

Try a different interest rate

Today After rate change

Already have a mortgage with us? Take a look at the exclusive rates we offer exclusively to current mortgage customers who want to switch to a new deal or borrow more money.

Thinking about buying to let? Try our buy-to-let mortgage deals and tips.

* BBBR means the Barclays Bank Base Rate, which is currently 0.25% (effective 5 August 2016).

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Start a web chat if you’d like to ask us a question online.

Call us

Call us1 today. Lines are open all day, every day – except during the Christmas period, when they may be closed at off-peak times.

0800 197 1081