Mortgage affordability calculator


Mortgages for First time buyers can be very confusing with hidden costs, fees and taxes. Use our Mortgage calculator to estimate how much your dream home will cost you each month and any upfront payments you may need.

Affordability Calculator

One of the most common questions we get asked is ‘how much will my mortgage cost’? You can never question this enough because your mortgage is probably going to be your biggest outgoing each month and it’s important to know that what you want to do is affordable both now and in the future.

Your peace of mind

Our mortgage calculator is quick and easy to use so you can find out the cost of your mortgage in seconds. The calculator will display your monthly mortgage cost based on the figures you provide, and help you plan your monthly budget. Please enter you income details, any deposit you may have and Mortgage interest rate.

Mortgage affordability calculator

What is your annual income (before tax)
What can you put towards your deposit
And your expected Interest Rate
Over how many years
Monthly payments
Loan Required:
Purchase Price:

Your breakdown

Based on borrowing {loan_amount} over {term_years} years at {interest_rate}%, your monthly repayments would be {answer_two} with a {loan_to_value}% loan to value. A one off Stamp Duty cost of {total_stamp_duty} is payable at the start of your mortgage.


To qualify for a mortgage of {loan_amount}, lenders will typically require a gross annual income of {afford4_5} to {afford3_2}. Our estimate is based on a single income multiple of 3.2 to 4.5, and is subject to the lender's lending criteria.

Your Deposit Amount

The amount of deposit you have:


The ratio of the loan to the value :


Stamp Duty Tax on house value:

Term of Mortgage

Mortgage Term in years::

Please note your Loan To Value (LTV) must be at the most 95%, you will need to revise your figures to estimate calculations

No obligation advice

Send us your mortgage calculations and we will arrange for your local adviser to call at your specified time to chat.
Loan Amount£0.00
Purchase price$0.00
Stamp Duty 2%: $0
Stamp Duty 2% max: $0
Stamp Duty 5%: $0
Stamp Duty 10%: $0
Stamp Duty 12%: $0

This is for illustrative purposes only and is not a mortgage offer. Before a lender will agree a loan, a full mortgage application will be required.

Your home may be repossessed if you do not keep up repayments on your mortgage


If you ready to secure your dream home and protect it, the easiest way is to search our advisers, view their profile and drop them a message. They will call you back at your chosen day and time at no cost or obligation to you. If you would rather we connect you with the best adviser in your location just complete the quick form, we will arrange a callback for you.
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