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Mortgage tools that answer one question each

New here? Start here — pick your situation and we'll take you through the right tools in order, carrying your numbers with you.

Each of these runs in your browser: nothing you type is stored. Where a calculator needs the market — Bank of England rates for your loan-to-value band, Land Registry prices, stamp duty — it reads the published figures and shows the date they belong to. They exist because the answers change on dates, and a number you can see beats a rule of thumb.

Buying a home

Before you commit: what it costs, and what the type of deal does to you.

Buying a home: cost, deal types and what you'll owe

Monthly payment at the rate for your deposit, stamp duty in England, Scotland and Wales, the cash you need on completion day, every kind of deal side by side, and what you'll still owe when the first deal ends.

Paying it down

Once you have a mortgage: how overpaying changes the finish line.

Paying it down: overpayments and what your lender allows

How much sooner and how much interest you save from monthly, yearly or one-off overpayments, drawn year by year — and how much your lender lets you overpay each year without a charge, and when it resets.

When a deal ends

At the end of a fix: what leaving early or drifting onto the SVR would cost.

When your deal ends: leave early or drift onto the SVR

Still fixed? The early repayment charge against the saving from a better rate, with the exact breakeven. Already on the standard variable rate? What each month of waiting costs.

When you want the dates behind these answers watched rather than checked, the timeline is free to run and a watch is from £5.99, once, with no subscription and no commission from anyone.

Run a blog or site? The break-fix, SVR and allowance calculators are free to embed on your own pages.