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Where are you with your mortgage?

Pick the situation closest to yours. There is one calculator for each stage of a mortgage's life, and the numbers you enter carry over to the next one, so you only type them once.

I'm buying a home

You have an offer accepted, or you're working out what you can afford.

What will it cost each month and on the day — and which kind of deal?

  1. Monthly payment and cash to completeYour monthly payment, stamp duty and the cash you need on completion day — and how your deposit changes your rate.
  2. Every kind of deal side by sideFixed against variable, repayment against interest-only, and what if rates move.
Open buying a home

I already have a mortgage

You're part-way through a deal and want to know where you stand.

Can I pay it off sooner, and what does my lender allow?

  1. How much sooner, how much savedThe finish date and the interest saved from overpaying, month by month and year by year.
  2. What your lender lets you overpayThe penalty-free allowance, how much is left this year and when it resets.
Open paying it down

My deal is ending (or has ended)

Your fixed rate is about to run out, or you've drifted onto the standard variable rate.

What is waiting costing me, and is leaving early worth it?

  1. Should I leave my fix early?Whether paying the early repayment charge to switch now pays for itself.
  2. What is the SVR costing me?The extra interest each month on the standard variable rate, and over a year.
Open when your deal ends

How it all fits together

Real market figures

Rates come from the Bank of England for the deposit you actually have, house prices from the Land Registry, and stamp duty from the official pages — each dated, and re-checked. See the methodology.

Your numbers travel

Enter a price and deposit once. The next calculator starts from them — and from the loan you worked out — held in this browser tab only, never sent anywhere.

Then keep an eye on it

Every path ends at the timeline: add your real mortgage to see the dates that matter. It's free to run, and from £5.99 once to have it watched for you.

Prefer to browse? Every calculator is listed here, and the rules of individual lenders are sourced and dated.

This is information, not financial advice; for advice on your circumstances, speak to a mortgage adviser regulated by the FCA.