Mortgage calculator - Present Home Use this tool to calculate how much you need to borrow and what it will cost when applying for a mortgage. You can also find out if you would be better off with an all-in-one or a flexible mortgage. Do you have a house to sell? Value of Present Home Selling Price: Outstanding mortgage loan: Fees and expenses: Total equity available for deposit: Step: 1  2  3  4  5  Next Help House to Sell Select this option, and answer the following questions, if you are selling a home and using the proceeds as a deposit. More... Selling Price Enter the sale price that you expect to receive for the home you are selling. More... Outstanding Mortgage Enter the amount of mortgage outstanding on the property. More... Fees and Expenses Enter the total amount of fees associated with selling the house, including estate agency, removals and legal fees. More... Total Equity This is the net proceeds from the sale of your house, some or all of which you may use as a deposit on your new home. More... Show all help

Mortgage calculator - Mortgage Mortgage Amount Purchase Price: Deposit: Sub-total: Stamp Duty: Other Purchase Fees: Total Purchase Fees: Do you want to add these fees to your mortgage? Mortgage needed to buy property: Percentage loan to purchase price: Step: 1  2  3  4  5  Prev Next Help Purchase Price Enter the price that you expect to pay for the property. More... Deposit If different from that shown, enter the amount that you are putting down as a deposit on the property. More... Stamp Duty Government stamp duty is calculated automatically, based on the purchase price that you have indicated. More... Other Purchase Fees Enter the total of fees and other expenses involved in making your purchase, for example legal and surveyor's fees. More... Add Fees to Mortgage If you do not have a separate source of funds from which to pay the fees, then select this option to add them to the amount of mortgage that you require. Percentage Loan This is the percentage of the property's purchase price that the mortgage represents. Many mortgages are not available above a ratio of 95% loan to value. More... Show all help

Mortgage calculator - Repayment Repayment Terms Mortgage repayment term:  years Simple interest rate:  % Are you considering a discounted or fixed rate mortgage? Term of discount or fixed rate:  years Discounted or fixed interest rate:  % Life Cover Prinicpal borrower's age:  years Are you sharing the mortgage? Partner's age:  years Step: 1  2  3  4  5  Prev Next Help Repayment Term If you take out a repayment mortgage, the term affects the amount you pay per month.More... Mortgage Incentives Lenders offer different mortgage incentives to entice new borrowers. More... Interest Rate For a fixed rate mortgage, enter the fixed interest rate here. For a discounted mortgage, enter the rate you wish your mortgage interest rate to be discounted to. More... Age Your age, and that of your partner if you are sharing a mortgage, will influence the cost of life cover. Legally you have to be aged 18 years or over to take out a mortgage. Shared Mortgage If you are struggling to afford a mortgage on your own, it is worth remembering that family or friends may jointly hold the mortgage with you. This should help you borrow more. More... Show all help

Mortgage calculator - Flexible Flexible and all-in-one mortgages Are you considering a 'Flexible' mortgage? Monthly overpayment: Annual lump sum amount: Month annual lump sum deposited: January February March April May June July August September October November December Future one-off lump sum: Year future lump sum to be deposited: Are you considering a 'Current Account' or 'Offset' mortgage? Monthly income paid into the account: Income remaining at end of month: Annual lump sum amount: Month annual lump sum deposited: January February March April May June July August September October November December Future one-off lump sum: Year future lump sum to be deposited: Step: 1  2  3  4  5  Prev Next Help Flexible Mortgage Select this option if you want to see the savings that could be obtained with a flexible mortgage by making over-payments. More... Monthly Overpayment The amount if any by which you anticipate being able to overpay your mortgage each month. More... Annual Lump Sum Amount The anticipated amount of any regular monthly overpayment, such as putting an annual salary bonus or dividend towards your mortgage repayments. More... Month Deposited The month in which your annual lump sum, if any, will be deposited. More... Future One-off Lump Sum Any major anticipated future lump sum that will be available for putting towards your mortgage, such as the proceeds of a maturing investment. More... Year Deposited The year in which the future one-off lump sum, if any, will be deposited. More... Current Account or Offset Mortgage Select this option if you want to see the savings that could be obtained by combining or linking your mortgage, current and savings accounts with a 'current account mortgage' or 'offset' mortgage. More... Monthly Income If your current account is combined with, or linked to, your mortgage then the income paid into your account will reduce the amount of interest you will be charged. More... Income Remaining The average amount of income that remains unspent at the end of the month. More... Show all help

Mortgage calculator - Results a b  Endowment Calculator   Find a mortgage  Step: 1  2  3  4  5  Prev Help Repayment Mortgage With a repayment mortgage, payments comprise part interest on the capital borrowed and part repayment of the loan capital itself. More... ISA Mortgage With an ISA mortgage, re-payments consist entirely of interest on the loan amount. The separate ISA (Individual Savings Account) is a form of investment used to eventually pay of the loan. More... Pension Mortgage With a pension mortgage, re-payments consist entirely of interest on the loan amount. Eventually a tax-free lump sum from a pension scheme is used to pay off the mortgage loan amount. More... Endowment Mortgage Most lenders do not offer endowment mortgages any longer. More... Show all help