Realistic mortgage planning for UK buyers
UK mortgage calculators for affordability, overpayments, rent vs buy and stamp duty
Pressure-test affordability, model overpayments, and compare renting versus buying with clear assumptions and fast, transparent outputs.
What you can sense-check here
- Shows how deposit size changes borrowing range and monthly payments.
- Highlights stress-rate scenarios instead of assuming today's rate lasts forever.
- Lets you compare renting and buying without hiding the assumptions.
Core calculators
Four focused ways to plan ahead
Each page answers a real planning question even before you touch the inputs.
Mortgage affordability calculator
Estimate borrowing power, monthly repayments, and how stress rates affect your comfort zone.
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Mortgage overpayment calculator
See how regular or one-off overpayments change the payoff date and total interest bill.
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Rent vs buy calculator
Compare the likely long-term trade-off between renting and buying under editable assumptions.
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Stamp duty calculator
Estimate purchase tax and the full upfront cash needed across England and Northern Ireland, Wales, or Scotland.
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Useful reads
Short answers to the questions buyers ask next
These pages answer one practical question clearly, then point you into the right calculator.
How much deposit do you need for a house in the UK?
A practical guide to what different deposit sizes mean for monthly payments, lender options, and stress levels.
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How much can you borrow for a mortgage?
A plain-English look at income multiples, committed costs, and why the top-line number is not the whole story.
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Is it better to overpay your mortgage?
A quick decision guide for when overpaying helps most and what to check before locking money away.
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Renting vs buying a house in the UK
A practical comparison of the trade-offs, time horizon, and assumptions that usually swing the answer.
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Principles