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Affordability Calculator

Mortgage Affordability Calculator

Affordability Calculator

See how much you could borrow

You could borrow up to

£202,500

Max property value £242,500

Deposit Mortgage
Deposit £40,000 Mortgage £202,500
Est. monthly repayment
£1,184
Loan to value (LTV)
84%
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This is a guide only and not a mortgage offer or financial advice. Figures are estimates based on an income multiple and a capital repayment basis. The amount you can borrow depends on a full affordability assessment, your credit history and the lender's criteria. Your home may be repossessed if you do not keep up repayments on your mortgage.

Calculators

Smart Tools To Plan Your Finances

Mortgage planning

Affordability Calculator

Get an estimate of how much you may be able to borrow for a mortgage in the UK. This calculator uses your income, deposit, and basic financial details to give you an idea of your potential borrowing range before speaking to a mortgage adviser.

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Monthly payments

Mortgage Repayments Calculator

Calculate your estimated monthly mortgage repayments by entering the loan amount, interest rate, and mortgage term. This helps you understand how different rates or terms could affect your monthly budget.

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Property costs

Stamp Duty Calculator

Work out how much Stamp Duty Land Tax (SDLT) you may need to pay when buying a property in England or Northern Ireland, based on the purchase price and current tax thresholds.

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Mortgage savings

Mortgage Overpayments Calculator

See how making regular or one-off mortgage overpayments could help reduce your mortgage term and the total interest paid over the life of your loan.

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Payment flexibility

Payment Holiday Calculator

Explore how taking a mortgage payment holiday could affect your future monthly payments, overall mortgage term, and total cost, helping you plan ahead during periods of financial change.

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Income planning

Salary Calculator

Calculate your estimated take-home pay after UK income tax, National Insurance contributions, and pension deductions to better understand your net monthly or annual income.

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