Are these mortgage calculators free to use?

Yes. Every calculator on MortgageMatch is free, needs no sign-up, and does not ask for your email or phone number. Nothing you type is submitted anywhere — the calculations run in your browser. We make no money from the tools themselves.

Which calculator should I use first?

Start with the affordability calculator to find a realistic loan size, then the loan-to-value calculator to see which rate band your deposit reaches, then the repayment calculator to price the monthly payment. If you are buying in England or Northern Ireland, run the stamp duty calculator before you fix your deposit.

Do these calculators give financial advice?

No. They produce illustrative estimates from the figures you enter, using standard mortgage arithmetic. They cannot account for your credit history, income type, lender criteria or personal circumstances. For a figure you can rely on, speak to an FCA-authorised mortgage broker or adviser.

Do the calculators cover Scotland and Wales?

The repayment, affordability, interest-only, overpayment and loan-to-value calculators work anywhere in the UK, because the arithmetic does not change. The stamp duty calculator is for England and Northern Ireland only — Scotland uses Land and Buildings Transaction Tax and Wales uses Land Transaction Tax.

Why do lender quotes differ from these results?

Lenders apply an affordability stress test, count your committed spending, use their own valuation, add or exclude product fees, and split the term between an initial rate and a reversion rate. These calculators model a single rate and simple inputs, so treat them as a starting point rather than a quotation.

Free tools

Free mortgage calculators

Six calculators covering the numbers that actually decide a UK mortgage. Every tool is free, needs no sign-up and runs entirely in your browser — and every one explains the maths it used, so you can check the answer rather than take it on trust.

Mortgage repayment calculator

Estimate your monthly repayment from the loan, rate and term.

Answers: What would this mortgage cost me each month, and in total?

Best for: Anyone pricing a specific loan — buyers comparing properties, and existing borrowers working out what a new rate would cost.

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How much can I borrow?

See a quick estimate of how much a lender might offer you.

Answers: Roughly what size of mortgage is realistic on my income?

Best for: First-time buyers and movers at the very start, before viewing anything or speaking to an agent.

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Stamp duty calculator

Work out SDLT for England and Northern Ireland, including first-time buyer relief.

Answers: How much tax do I need in cash on completion day?

Best for: Buyers in England and Northern Ireland. Scotland (LBTT) and Wales (LTT) use different taxes.

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Interest-only calculator

Estimate the monthly interest on an interest-only mortgage.

Answers: What does interest-only cost, and what does it cost me later?

Best for: Landlords, borrowers on existing interest-only deals, and anyone weighing a lower payment against a debt that never shrinks.

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Mortgage overpayment calculator

See how much interest you could save by overpaying each month.

Answers: What would paying a bit extra actually save me?

Best for: Existing borrowers with spare monthly income or a lump sum they are deciding what to do with.

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Loan-to-value (LTV) calculator

Work out your LTV to see which mortgage rates you may qualify for.

Answers: Which rate band does my deposit or equity put me in?

Best for: Buyers sizing a deposit, and remortgagers checking whether their equity has moved them into a better band.

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Which calculator do you need?

The six tools answer different questions, and they are most useful in a particular order. Working through them in sequence stops you doing the classic thing of falling in love with a property before checking whether the numbers behind it hold up.

1. Start with borrowing power. The affordability calculator turns your income and commitments into a realistic loan size. Everything else depends on this number, so get it before you start viewing.
2. Add your deposit. The loan-to-value calculator shows which rate band your deposit reaches. Lenders price in bands, so a small adjustment here can change the rate on the entire loan.
3. Budget the tax and fees. If you are buying in England or Northern Ireland, the stamp duty calculator tells you how much cash leaves your deposit before completion. Do this before step 2 is final, because the tax comes out of the same pot.
4. Price the monthly payment. The repayment calculator converts loan, rate and term into a monthly figure and a total cost — the number you will live with.
5. Then optimise. Once you have a mortgage, the overpayment calculator shows what spare money is worth against the balance, and the interest-only calculator shows the trade between a lower payment now and a debt that does not shrink.

What these calculators will not do

They are arithmetic, not underwriting. None of them checks your credit file, applies a lender's stress test, values a property, or knows which lenders currently have appetite for your situation. Two people with identical inputs can get very different answers from real lenders, because income type, credit history, property type and committed spending all feed into a decision that no calculator can see.

Nothing you enter is stored or sent anywhere. There is no email gate, no lead form and no follow-up call. If you want a figure you can act on rather than plan with, the next step is a conversation with an FCA-authorised broker or adviser — and you can browse independent brokers here without being handed off to a call centre.

Frequently asked questions

Are these mortgage calculators free to use?: Yes. Every calculator on MortgageMatch is free, needs no sign-up, and does not ask for your email or phone number. Nothing you type is submitted anywhere — the calculations run in your browser. We make no money from the tools themselves.
Which calculator should I use first?: Start with the affordability calculator to find a realistic loan size, then the loan-to-value calculator to see which rate band your deposit reaches, then the repayment calculator to price the monthly payment. If you are buying in England or Northern Ireland, run the stamp duty calculator before you fix your deposit.
Do these calculators give financial advice?: No. They produce illustrative estimates from the figures you enter, using standard mortgage arithmetic. They cannot account for your credit history, income type, lender criteria or personal circumstances. For a figure you can rely on, speak to an FCA-authorised mortgage broker or adviser.
Do the calculators cover Scotland and Wales?: The repayment, affordability, interest-only, overpayment and loan-to-value calculators work anywhere in the UK, because the arithmetic does not change. The stamp duty calculator is for England and Northern Ireland only — Scotland uses Land and Buildings Transaction Tax and Wales uses Land Transaction Tax.
Why do lender quotes differ from these results?: Lenders apply an affordability stress test, count your committed spending, use their own valuation, add or exclude product fees, and split the term between an initial rate and a reversion rate. These calculators model a single rate and simple inputs, so treat them as a starting point rather than a quotation.

Guides that go with the calculators

First-time buyer mortgage guide — the whole process, from deposit to keys.
Remortgage guide — what to do when your fixed rate ends.
How much mortgage can I afford? — the detail behind the affordability calculator.
Loan-to-value explained — why bands decide your rate.
Stamp duty guide — reliefs, surcharges and the devolved equivalents.
Broker or direct to lender? — when advice is worth paying for.

These calculators are for guidance only and do not constitute financial advice. Rates, tax bands and lender criteria change. Your home may be repossessed if you do not keep up repayments on your mortgage.