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Seven quick tools covering repayments, affordability, stamp duty across all three UK nations, overpayments, loan to value, rental yield and payment breaks.
An illustration only. Your actual payment depends on the lender, the product and your circumstances. Ask us for a personalised illustration.
A rough guide only. Lenders assess affordability differently and some will lend more, or less, than the standard income multiple. Half of any bonus is counted here.
Rates for the 2026/27 year. This is a guide, not a tax calculation. Your conveyancer confirms the final figure and files the return.
Most lenders allow overpayments of up to 10% of the balance each year without an early repayment charge. Check your product terms before you start.
Lenders price in bands, usually 95, 90, 85, 80, 75 and 60 percent. Nudging under the next band down can meaningfully cut your rate.
Most buy-to-let lenders stress test rent at 125 to 145 percent of the mortgage interest. Tax treatment depends on your circumstances and is not covered here.
A payment break is not automatic and interest keeps building while payments are paused. Speak to your lender first, and to us before you commit.
Calculators use averages and assumptions. Lenders use criteria, credit files and stress tests, and they do not all agree with each other. Two lenders can differ by tens of thousands of pounds on the same application.
Income multiples are only the starting point. Childcare, credit commitments and the type of income you earn all move the number.
The figures here use whatever rate you type in. Ask us what is actually available for your loan to value today.
Reliefs, replacements of a main residence and mixed-use treatment can all change the bill. Your conveyancer confirms the final figure.
A short, friendly chat is all it takes to see what you could save. No jargon, no pressure, just clear advice.