Mortgage calculators.
Repayment, affordability, stamp duty, loan-to-value, buy-to-let — pick a tool, run the maths in seconds.
Repayment Calculator
Calculate your monthly mortgage payments with real lender data. See exactly what you'll pay each month based on current market rates.
What is a mortgage calculator?
A mortgage calculator is a category of online tools typically used for one of two essential purposes: calculating monthly mortgage repayments or determining mortgage affordability. These free UK mortgage calculators help first-time buyers, home movers, and remortgage customers understand their borrowing potential before approaching a mortgage lender or speaking to a qualified mortgage adviser.
Common types of mortgage calculator available include tools for mortgage affordability and mortgage repayment calculations, but these are not the only options. Other types of UK mortgage calculator include:
Buy-to-let mortgage calculators
For calculating affordability and monthly repayments based on projected rental income and ICR (Interest Coverage Ratio) requirements set by UK buy-to-let lenders.
Loan-to-value (LTV) calculators
For calculating LTV ratio — a key factor that determines which mortgage interest rates and products are accessible based on deposit size and property value.
Self-employed mortgage calculators
These tools show maximum borrowing limits for various types of self-employed individuals, including contractors, limited company directors, sole traders, and freelancers.
Remortgage calculators
For calculating potential remortgage deals and how much equity could potentially be released from a property.
Stamp Duty Land Tax (SDLT) calculators
For calculating exactly how much stamp duty is payable on property purchases in England and Northern Ireland.
Specialist finance calculators are also available for bridging loans, equity release mortgages, and offset mortgage products.
Mortgage calculators work differently depending on which type of calculation is being performed, but most feature straightforward instructions and require only a few personal and financial details to generate accurate estimates.
A mortgage affordability calculator typically takes annual salary information and multiplies it by the common income multiples that UK mortgage lenders use to determine maximum borrowing: 4.5, 5, and 6 times annual income. Results are displayed for each multiple, allowing comparison of potential borrowing amounts across different lenders in the UK mortgage market.
A mortgage repayments calculator takes the loan amount, mortgage interest rate, and mortgage term length to calculate how much is payable each month. Results typically default to a capital repayment mortgage but can be switched to interest-only mortgage calculations for comparison purposes.
Speak to an expert.
Calculators give a useful estimate, but your actual mortgage and protection options depend on your full circumstances, credit history, and lender criteria. Clearview is FCA-regulated — our CeMAP-qualified advisers compare 90+ UK lenders and explain how each calculator applies to you.
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