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Quick, private estimates. Nothing you enter here is stored or sent anywhere.
- Loan amount
- £0
- Loan to value
- 0%
- Total repayable
- £0
- Total interest
- £0
Want to know what you could actually be offered?
Speak to an adviserBased on 4 to 4.5 times income, a range many lenders work within. Some may offer more or less.
- Income used
- £0
- Deposit
- £0
- Possible property budget
- £0
- Loan to value at the top of the range
- 0%
Loans, car finance, credit cards and childcare costs reduce what lenders will offer, and your credit history matters too.
Get a figure based on your full circumstances.
Check what I can borrowEffective rate: 0%
First-time buyer relief does not apply to purchases over £500,000, so standard rates are used.
| Portion of price | Rate | Tax |
|---|
Factor Stamp Duty into your budget from day one.
Talk through your costs- Time saved
- None
- New term
- 0
- Current payment
- £0
- Payment with overpayment
- £0
Check your lender’s overpayment allowance first, as early repayment charges may apply above it.
Not sure whether to overpay or save?
Ask an adviser
- Based on the rent
- £0
- Based on the LTV limit
- £0
- Deposit needed
- £0
- Gross rental yield
- 0%
Loan to value at this amount: 0%
Maximum loan by rent = annual rent ÷ (rental cover × stress rate).
Some lenders can top up with personal income or use different calculations.
Talk to us about buy to let
- Annual rent needed
- £0
- Loan to value
- n/a
- Interest at stress rate
- £0
- Yield needed
- n/a
Rent needed = loan × stress rate × rental cover ÷ 12.
Rent short of the target? Other lenders or a larger deposit may help.
Speak to an adviserYour home may be repossessed if you do not keep up repayments on your mortgage.
These calculators provide estimates only and are for illustration. They are not a mortgage offer or a recommendation. Actual amounts offered may vary depending on your circumstances and on the criteria of the lender. Stamp Duty figures use the residential rates published by HMRC for England and Northern Ireland and do not cover every relief or exemption.
Buy to let figures use typical rental cover and stress rates. Lenders set their own criteria and may also consider your income, experience and portfolio. Most buy to let mortgages are not regulated by the Financial Conduct Authority.