Mortgage calculators

Work out what you could afford

Use our mortgage calculators to see how much you could afford to borrow and what your monthly payments might be.

Ready to start your mortgage application?

Step 1: How much could you borrow?

Use our borrowing calculator to get an idea of how much you could borrow based on your income and monthly spending.

Borrowing calculator

Step 2: How much would it cost you?

You can use our repayment calculator to see our latest interest rates and see what your monthly mortgage payments might be.

Repayment calculator

Step 3: Get an Agreement in Principle

Take the first step in your mortgage application with an Agreement in Principle (AiP). You can do this online, and it won’t affect your credit score. It takes about 10 minutes and then you can book an appointment online with a mortgage adviser right away(1) .

Get an AiP

Our other mortgage calculators

Affordability calculator

Check if you can afford the amount you’d like to borrow from us.

Buy-to-let calculator

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

Offset calculator

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

Interest rate change calculator

See how a change of interest rates could affect your mortgage payments.

Questions about our mortgage calculators? 

Mortgage calculators are tools that can help you work out what kind of mortgage you can afford. They can give you an estimate of how much you could borrow from us and what your monthly repayments might be. 

We have a few mortgage calculators that can help you in different ways. The borrowing and cost are usually the most important ones to start with before you complete an AiP.

Mortgage calculators are for anyone that wants to apply for a mortgage or has one already. You can use it as a first-time buyer, to remortgage a property, move or buy another home, or as a buy-to-let landlord.

When you use a calculator or apply for a mortgage, we’ll ask for information like:

  • How many people are applying for the mortgage
  • Your yearly income
  • How much you regularly spend – this includes things like your credit or store cards, loans, overdrafts, maintenance, and pension
  • Why you’re applying – for example, buying your first home, moving home, or buying a second home
  • We won’t ask about groceries, utility bills or travel

Our calculators can give you an idea of what you might be able to borrow from us, what your monthly mortgage payments could be and how much could you afford. 

The most popular place to start is our borrowing and cost. Then you can start your AiP application and book an appointment online with one of our mortgage advisers or take some time to try our other calculators.

Call us on 

0333 202 7580

We’re here Monday to Friday from 7am to 8pm, Saturdays and Sundays from 7am to 5pm, and on bank holidays from 9am to 5pm. To maintain a quality service, we may monitor or record phone calls. Call charges(1).

Join the 10 million Barclays app customers

Make money work for you by opening an account in a few simple steps. If the account’s just for you and you’re over 18, you can use our app.

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.

Important information

  1. Mortgage adviser appointments are available when you are, Monday to Friday from 8am to 9pm, Saturdays from 8:30pm to 5pm and Sundays from 9am to 3:30pm, excluding bank holidays. If you call an 03 number, you’ll be charged your standard rate. To maintain a quality service, we may monitor or record phone calls. Call charges.(Return to reference)