Plan your budget with our free mortgage calculators.

Our calculators provide accurate estimates based on the information you enter and current market rates. Actual mortgage offers depend on full affordability assessments, credit checks, and lender-specific criteria. Speak to an adviser for precise figures tailored to your situation.

Most lenders offer 4 to 4.5× your annual income, with some offering up to 5 to 5.5× in certain circumstances. Your actual borrowing capacity depends on your income, existing debts, credit score, employment type, and deposit size. Use our Affordability Calculator for an initial estimate.

Mortgage rates vary significantly based on your deposit size, credit score, and chosen term. Fixed rates typically range from 4 to 6%, though this changes regularly with the market. Our advisers can provide up-to-date rates from 90+ lenders based on your specific profile.

First-time buyers pay no stamp duty on properties up to £300,000. You pay 5% on the portion between £300,001 and £500,000. Above £500,000, standard rates apply with no first-time buyer relief. Use our Stamp Duty Calculator to calculate your exact liability.

It depends on your circumstances and risk tolerance. 2-year fixes offer flexibility and potentially lower rates, but you'll need to remortgage sooner. 5-year fixes provide longer-term payment certainty and protect you from rate rises. Speak to an adviser about your specific situation before deciding.

Minimum deposits start at 5% for residential mortgages, though 10 to 15% typically unlocks better rates. Buy-to-let mortgages usually require 25% minimum. Larger deposits secure lower rates and more favourable terms, even a small increase in deposit can make a meaningful difference to your monthly payments.

Absolutely. Most lenders prefer two to three years' accounts on a self-employed application, though some accept one and use different affordability assessments. Specialist lenders understand complex income structures, contractors, freelancers, directors, and business owners. The calculator results are a useful starting point; an adviser can give you a more precise picture.

Yes, all our mortgage calculators are completely free with no registration required. We don't collect or store your information, and there's no obligation to use our advisory services. They're here to help you plan, with no strings attached.