Calculators and Tools for UK Home Buyers

These free tools help you understand the numbers behind your home purchase before you commit. They cover affordability, deposits, stamp duty, mortgage overpayments, rate resilience, and the cost of switching products. Each tool is designed to show trade-offs clearly, not to give a single answer.

How much can I borrow

See what lenders are likely to approve alongside a comfort-based estimate based on your income.

Loan to value calculator

See your LTV band, what it would take to reach the next one, and how a valuation change affects your position.

Stamp duty calculator

Calculate your SDLT liability including first-time buyer relief where eligible.

Mortgage rate stress test

Model how payments change if rates rise and whether your budget still works.

Mortgage exit cost checker

Understand the cost of leaving your current deal early and what that means for switching.