Property & Mortgage Calculators UK
Free mortgage and property calculators for UK buyers, owners and landlords: how much you could borrow, monthly repayments, overpayments, loan-to-value, rental yield and equity release.
- Calculators20
- Rules and figuresUK, November 2026
- CostFree, no sign-up
Property & mortgages calculators
Mortgage calculatorMonthly repayments, total interest and how the term changes them.How much can I borrowBorrowing by income multiple, stress test and deposit.Mortgage overpaymentInterest and years saved by overpaying your mortgage.Interest-only mortgageInterest-only vs repayment costs and what you still owe.Second mortgageSecond charge loan repayments and your combined LTV.LTV calculatorLoan to value, your LTV band and the deposit for a target LTV.Equity releaseLifetime mortgage: how much you could release and what it grows to.Help to Buy equity loanWhat your Help to Buy equity loan costs and what you owe.Rental yieldGross and net rental yield, cash flow and landlord tax.Holiday let profitHoliday let income, costs and profit after the FHL changes.House price changeHow much a home’s value may have changed since you bought.Rent increaseNew rent after a % or CPI rise, and the earliest legal start date.Home insuranceIndicative buildings and contents insurance premium.Home equity loanHow much equity you can borrow and the monthly repayments.Shared ownershipMonthly mortgage, rent and service charge, plus staircasing cost.Letting agent feesLetting agent fees with VAT, and the rent you keep each year.Buildings insurance costIndicative buildings insurance premium from your rebuild cost.Airbnb calculatorShort-let income, fees, cleaning, costs and profit.Bridging loanBridging loan interest, fees and total cost, retained or rolled.Buy-to-let mortgageHow much you can borrow on a buy-to-let from the rent (ICR test).
What each calculator does
| Calculator | What it works out |
|---|---|
| Mortgage calculator | Monthly repayments, total interest and how the term changes them. |
| How much can I borrow | Borrowing by income multiple, stress test and deposit. |
| Mortgage overpayment | Interest and years saved by overpaying your mortgage. |
| Interest-only mortgage | Interest-only vs repayment costs and what you still owe. |
| Second mortgage | Second charge loan repayments and your combined LTV. |
| LTV calculator | Loan to value, your LTV band and the deposit for a target LTV. |
| Equity release | Lifetime mortgage: how much you could release and what it grows to. |
| Help to Buy equity loan | What your Help to Buy equity loan costs and what you owe. |
| Rental yield | Gross and net rental yield, cash flow and landlord tax. |
| Holiday let profit | Holiday let income, costs and profit after the FHL changes. |
| House price change | How much a home’s value may have changed since you bought. |
| Rent increase | New rent after a % or CPI rise, and the earliest legal start date. |
| Home insurance | Indicative buildings and contents insurance premium. |
| Home equity loan | How much equity you can borrow and the monthly repayments. |
| Shared ownership | Monthly mortgage, rent and service charge, plus staircasing cost. |
| Letting agent fees | Letting agent fees with VAT, and the rent you keep each year. |
| Buildings insurance cost | Indicative buildings insurance premium from your rebuild cost. |
| Airbnb calculator | Short-let income, fees, cleaning, costs and profit. |
| Bridging loan | Bridging loan interest, fees and total cost, retained or rolled. |
| Buy-to-let mortgage | How much you can borrow on a buy-to-let from the rent (ICR test). |
Using these calculators
Lenders assess income, spending and credit history. Use these figures as a guide and speak to a mortgage broker or lender for a decision in principle.