Mortgage Calculator UK
Free UK mortgage calculators to estimate borrowing, repayments, affordability, buy-to-let costs and home-buying budgets. Choose the calculator that matches your situation.
Choose a Mortgage Calculator
Each calculator is built for a specific type of applicant or question. Pick the one that fits your situation — all are free and require no sign-up.
Mortgage Affordability Calculator
Estimate how much you may be able to borrow based on your income, deposit and regular outgoings.
Calculate Affordability →Monthly paymentsMortgage Repayment Calculator
Estimate your monthly mortgage payments based on loan amount, interest rate and term.
Estimate Repayments →Self-employedSelf-Employed Mortgage Calculator
Lenders average your last 2–3 years of accounts. See how your income is assessed.
Calculate as Self-Employed →Buying togetherJoint Mortgage Calculator
Combine two incomes to see your joint borrowing power and how shared debts affect affordability.
Calculate Joint Affordability →LandlordsBuy-to-Let Mortgage Calculator
Estimate buy-to-let affordability based on rental income, deposit and lender stress tests.
Calculate Buy-to-Let →First-time buyersFirst-Time Buyer Calculator
Includes your Lifetime ISA government bonus and first-time buyer stamp duty relief.
Calculate as First-Time Buyer →Property taxStamp Duty Calculator
Estimate stamp duty land tax for your property purchase, including first-time buyer and buy-to-let rates.
Calculate Stamp Duty →England · Scotland · WalesUK Property Tax Calculator
Choose the right property-tax calculator for SDLT, Scottish LBTT or Welsh LTT before setting your buying budget.
Compare Property Taxes →Income & NITax Calculator
See exactly how much of your salary you take home after income tax and National Insurance.
Calculate Take-Home Pay →Property Tax Calculators by UK Nation
Property-purchase tax depends on where the home is located. Start with the UK property tax calculator hub, then use the correct nation-specific tool for your purchase.
How Mortgage Calculators Help
A mortgage calculator gives you a realistic starting point before you speak to a lender or broker. It helps you understand what price range is realistic, how much your monthly payments might be, and what deposit you may need. Calculators are estimates — a lender will carry out their own full affordability assessment — but they are a reliable way to plan your budget and avoid surprises.
Mortgage Affordability Calculator
The mortgage affordability calculator estimates how much you may be able to borrow based on your income, deposit and regular outgoings. Most UK lenders start from an income multiple of 4–4.5 times your annual salary, then adjust for debts, dependants and interest rates. Use this calculator first to set a realistic budget before looking at properties.
Mortgage Repayment Calculator
The mortgage repayment calculator estimates your monthly payments based on the loan amount, interest rate and mortgage term. It covers both repayment and interest-only mortgages. Use it alongside the affordability calculator to check that the monthly cost fits your budget.
Tax Calculator: Check Your Take-Home Pay
Before choosing a monthly mortgage payment, use the UK Tax Calculator to estimate take-home pay after Income Tax and employee National Insurance. It covers England, Scotland, Wales and Northern Ireland, with Scottish income-tax bands handled separately.
Self-Employed Mortgage Calculator
The self-employed mortgage calculator is designed for sole traders, limited company directors and contractors. Lenders typically average the last two to three years of accounts, SA302s or salary and dividends. This calculator uses the same logic to give you a realistic borrowing estimate.
Joint Mortgage Calculator
The joint mortgage calculator combines two incomes to estimate borrowing power for couples, friends or family members buying together. Both applicants' debts and outgoings are factored in, and both are jointly liable for the mortgage.
Buy-to-Let Mortgage Calculator
The buy-to-let mortgage calculator estimates affordability for landlords based on rental income and lender stress tests. Buy-to-let mortgages are assessed differently from residential mortgages — rental income must typically cover 125–145% of the mortgage payment at a stressed interest rate.
Calculator FAQs
No. WizeBudget provides calculators and general information only. It does not provide regulated mortgage advice.
No. Calculator results are estimates. A lender or adviser would need to assess your full circumstances before confirming affordability or mortgage options.
Mortgage affordability can be affected by income, deposit, debts, regular spending, dependants, credit commitments, interest rates and mortgage term.
Yes. Self-employed users can estimate affordability, but lenders may assess income using accounts, tax calculations, salary, dividends or net profit depending on circumstances.
Affordability is about how much a lender may be willing to lend based on your income and outgoings. Repayments are the monthly cost of the mortgage once you have borrowed. Both matter when planning a property purchase.
Mortgage Guides and Help
Our mortgage guides explain how affordability is calculated, what affects your borrowing power, and what costs to budget for when buying a home. Read the guides alongside the calculators for a complete picture.
WizeBudget provides calculators and general information only. Results are estimates and do not constitute mortgage, financial or legal advice. Always check details with a qualified mortgage adviser, lender or financial professional before making decisions.