Work out which kind of mortgage you could afford
Use our mortgage calculators to work out how much you could borrow and how much deposit you need for a mortgage.
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.
Use our borrowing calculator to work out an estimate of how much you could borrow, based on your income and outgoings – it’ll take a few minutes.
Use our repayment calculator to see examples of monthly mortgage repayments, costs and interest rates for mortgages you could be eligible for.
Affordability calculator – get a more accurate estimate of how much you could borrow from us. It takes about five to ten minutes
Buy-to-let calculator – see if we could lend you the amount you need for a property you’ll rent out
Offset calculator – see how much you could save. Use our offset calculator to see how your savings could reduce your mortgage term or monthly payments
Interest rate change calculator – see how a change of interest rates could affect your mortgage payments
What is a mortgage calculator?
It’s a tool that gives you an estimate of how much you could borrow from us or what your monthly repayments and other costs might be, for a mortgage in the UK.
We have different calculators that can help you in different ways – each calculator does something slightly different.
Who is a mortgage calculator for?
It’s for you if you’re a first time buyer, you’re looking to remortgage, move or buy an additional home, or you’re a buy-to-let landlord.
What information do I need to use a calculator and how do you decide what I can afford?
When you apply for a mortgage or use our calculator, we’ll ask you for information like
We won’t ask about groceries, utility bills or travel.
How much can I afford to borrow?
Our calculators give you a 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 different types of mortgages.
Which mortgage calculator is right for me?
The most popular place to start is our borrowing calculator or our affordability calculator.
Chat to us online if you have a question about using our mortgage calculator.
Lines are open Monday to Friday from 7am to 8pm, and from 7am to 5pm at weekends. To maintain a quality service, we may monitor or record phone calls. Call charges.
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, 317KB] to see if our other mortgages are suitable for you, download our tariff of mortgage charges [PDF, 265KB] and read our legal information.
