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

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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Mortgage terms

Initial payments and rate

The monthly payment and rate you'll pay until your introductory period ends.

Follow-on payments and rate

The payments and rate you'll pay after your introductory period ends if you don’t change anything.


Use the annual percentage rate of charge to compare the cost of our mortgages, including interest and fees, with those from other lenders.

Mortgage fee

You can pay this fee when you submit a mortgage application, or add it to the amount you borrow.

Total you'll pay

The amount you'll pay for this mortgage over the duration you've choosen if you don't change your mortgage and interest rates stay the same.

Loan to value

The percentage of the property value that you're going to borrow. We divide your mortgage amount by the property value to work out the LTV.

Early repayment charge

The amount you'll pay if you want to pay off the mortgage early or make an overpayment that's more than we've agreed to.


Your rate stays the same for a set period, so your monthly payments remain the same even if our base rate changes.


Your rate is a certain amount above our base rate. If base rate goes up or down, your payments will too (it's sometimes called a 'variable rate').


Money you have in another account with us is used to lower the mortgage balance we charge interest on. All our offset mortgages are trackers.

Filter your results

Initial period
Deal 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

For buying to let

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


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.

* BEBR means the Bank of England Base Rate, which is currently 0.50% (effective 2 November 2017).

Talk to us online

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

Call us

Call us1 today on 0800 197 1081. Lines are open all day, every day, except on bank holidays and during Christmas, when they may be closed at off-peak times.