Mortgage Calculator UK
Work out what you can borrow.
Mortgage calculator UK tools for affordability, repayments, take-home pay and property tax, with clear assumptions and no sign-up.
Pick your situation
Choose a calculator for your situation, then read the visible assumptions and source links before relying on an estimate.
Mortgage Affordability
How much could you borrow? Enter your income, debts and deposit — we show the working.
Calculate →Self-employedSelf-Employed Calculator
Model recent evidence as a sole trader, director or contractor and see a transparent income range.
Calculate →Buying togetherJoint Application
Combine two incomes and shared debts to see what you could borrow as a couple.
Calculate →First-time buyersFirst-Time Buyer
Includes qualifying Lifetime ISA bonus checks and first-home cost planning.
Calculate →Income & NITax Calculator
Estimate take-home pay with 2026/27 Income Tax and employee NI bands for each UK nation.
Calculate →Monthly paymentsMortgage Repayment
See monthly payments, total interest and a projected balance schedule using your own rate input.
Calculate →Buying costsUK Property Tax
Choose SDLT, Scottish LBTT or Welsh LTT for the nation where you are buying.
Calculate →Three steps, no surprises
Enter your income
Salary, self-employed average, or combined — whichever fits your situation.
Add debts & deposit
Existing monthly commitments reduce what you can borrow. Your deposit sets the total budget.
See the working
We print every line of the calculation so you understand exactly where the number comes from.
We show the working
Most calculators hand you a number and hope you trust it. WizeBudget explains its calculation approach, labels its assumptions and links financial-rate pages to primary official sources where possible.
All calculators are free and require no account. They are general illustrations, not personalised lender, tax or legal decisions.
Call us: +44 7836 720624Quick answers
No. These are illustrative estimates based on standard income multiples. A lender's actual assessment considers your full credit history, spending and their own criteria.
No. WizeBudget calculators are free to use without an account.
They are illustrative planning tools with visible assumptions. Lenders, tax authorities and payroll providers use details this site cannot assess, so confirm before making a decision.
Ready to see your number?
Pick the calculator that matches your situation and get your estimate in under a minute.