Mortgage Calculator

Calculate your mortgage payments, affordability, and total costs. Work out how much you can borrow and what your monthly payments will be for your new home purchase.

Property Details

Property Price

Deposit

Percentage Amount

Property Type

Income Details

Your Annual Gross Income

Partner's Annual Income (optional)

Monthly Expenses (loans, credit cards, etc.)

Mortgage Terms

Interest Rate (%)

Mortgage Term

Your Mortgage

Enter property details to see your mortgage calculations

💡 Mortgage Tips

• New build properties often come with incentives like Help to Buy and shared ownership schemes.

• Consider additional costs: stamp duty, legal fees, survey costs, and moving expenses.

• A larger deposit typically means better mortgage rates and lower monthly payments.

• Get a mortgage agreement in principle before house hunting to strengthen your position.

Can't Afford the Full Price?

Consider shared ownership - you can buy a share (25-75%) and rent the rest. Lower deposits and monthly costs make homeownership more accessible.

Try Shared Ownership Calculator