Enter your loan amount, interest rate and term to see an estimated monthly repayment.
A quick guide to affordability based on your income, so you know roughly what price range to look at.
Lenders assess affordability individually, but UK Finance data shows that the vast majority of residential mortgages in the UK are arranged through brokers rather than directly with lenders, which is why a whole-of-market check matters.
Current rates for England and Northern Ireland, in force since 1 April 2025:
| Portion of price | Standard rate | Additional property rate |
|---|---|---|
| Up to £125,000 | 0% | 5% |
| £125,001 to £250,000 | 2% | 7% |
| £250,001 to £925,000 | 5% | 10% |
| £925,001 to £1,500,000 | 10% | 15% |
| Above £1,500,000 | 12% | 17% |
First time buyers pay 0% up to £300,000 and 5% on the portion between £300,001 and £500,000. This relief does not apply above £500,000.
Estimate the cost of a bridging facility based on loan amount, monthly rate and term.
The Bridging and Development Lenders Association reported the UK bridging loan book passed £13 billion in 2025, so it’s a well established route for buyers who need to move quickly.
For landlords working out whether a buy to let purchase stacks up, based on property value against expected rental income.
Practical gadgets to help keep things simple
Fast, free, no fuss. Our calculators cover mortgages, stamp duty, bridging loans, buy-to-let yields and more. Get a clear picture in seconds then let our advisers find you the best deal on the market.
They give a reliable estimate based on the figures you enter, but they don’t
account for every factor a lender will look at. Treat the result as a starting point rather than a guarantee.
No, there’s no obligation. Many people use the calculators just to get a feel for the numbers before deciding whether to get in touch.
Start with How Much Can I Borrow if you’re buying, or the Stamp Duty Calculator if you already have a property in mind. If you’re still not sure, get in touch and we’ll point you in the right direction.
