Use our free tools to estimate how much you could borrow, your monthly repayments, and the stamp duty you'll pay. Quick, easy, and completely free.
Want an accurate figure? Speak to our adviser for a personalised assessment.
This information is a guide only and should not be relied on as a recommendation or advice.
Get Expert AdviceThese are estimates. For a precise quote tailored to your circumstances, get in touch.
This information is a guide only and should not be relied on as a recommendation or advice.
Speak to an AdviserStamp duty rules change regularly. Our adviser will confirm the latest rates for you.
This information is a guide only and should not be relied on as a recommendation or advice.
Get AdviceGet personalised advice from our qualified mortgage adviser.
Our calculators give you a helpful starting point — here's what's behind the figures.
Most lenders offer 4 to 4.5 times your annual income, though some go higher depending on your circumstances. Our affordability calculator uses 4.5x as a guide, but the exact figure depends on your outgoings, credit, and lender criteria.
With a repayment mortgage, your monthly payments clear both the interest and the capital, so the loan is paid off by the end of the term. Interest-only payments cover just the interest, keeping monthly costs lower, but the full balance remains due at the end.
Stamp Duty Land Tax is charged on property purchases above certain thresholds, with rates rising in bands. First-time buyers benefit from relief, while additional properties attract a surcharge. Our calculator reflects the latest rates from April 2025.
Book a free, initial no-obligation consultation with our expert adviser. Get tailored mortgage advice and access to over 12,000 products.
