Independent UK mortgage desk
Every mortgage sum, and the deal that costs less.
Seven calculators built to UK rules — stamp duty across England, Scotland and Wales, lender-style affordability, buy-to-let stress tests, property valuation and LTV — and a comparison table that scores products on true cost, not headline rate.
Quick repayment estimate
GBPEstimated monthly payment
£1,393
£256,000 over 25 years at 4.29% · 80% LTV
Total interest
£161,777
over the full term
Total repaid
£417,777
capital plus interest
Cheapest sample deal at this LTV
Kent Reliance — BTL 2 Year Fixed — 80% LTV
£1,129/mo · 5.29% · £28,580 over 2 yrs
See the full comparisonThe toolkit
Seven calculators, one set of numbers
Repayment
Monthly cost, total interest and the capital-versus-interest split.
Open →02Affordability
How much a lender may lend on your income and commitments.
Open →03Stamp duty
SDLT, LBTT and LTT with first-time buyer and second-home rates.
Open →04Overpayments
Years and interest saved by paying a little extra each month.
Open →05Remortgage
Compare staying on the follow-on rate against a new deal.
Open →06Buy-to-let
Rental yield, stress-tested cover and monthly profit.
Open →07Property valuation
Indicative value from size and region, or growth since purchase.
Open →08Loan-to-value
How much you can borrow at each LTV band and the deposit each needs.
Open →