Mortgage calculators

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

• How many people are applying
• Your income
• How much you regularly spend – on 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.

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.