Calculators

Run the numbers before the application

Each tool updates live as you type, uses current UK rules, and prints figures you can read straight out to a client.

Region · size · condition

Property valuation calculator

Estimate what the property is worth before anything else — by floor area and region, or growth on the price paid.

Property value · deposit · LTV

Loan-to-value calculator

How much you can borrow at each lender LTV limit, and the deposit needed for each band.

Price · deposit · rate · term

Repayment calculator

Monthly payment on capital-and-interest or interest-only, with total interest and the balance over time.

Income · commitments · deposit

Affordability calculator

Indicative maximum borrowing using income multiples, then a monthly budget sense-check.

Price · region · buyer type

Stamp duty calculator

Band-by-band SDLT in England, LBTT in Scotland and LTT in Wales, including second-home surcharge.

Balance · rate · overpayment

Overpayment calculator

See how much interest and how many years a regular monthly overpayment removes.

Balance · current rate · new rate

Remortgage calculator

Compare drifting onto the follow-on rate against switching, after fees.

Rent · price · loan · costs

Buy-to-let calculator

Gross and net yield, stressed interest cover ratio and monthly rental profit.