Eight calculators, no personal details and no credit check. They are illustrations rather than quotes, but they will tell you whether you are in the right area before you spend time on an application.
An indicative maximum based on the age of the youngest homeowner and your property value.
An indicative figure in about ten seconds. No personal details needed.
Equity release is available from age 55.
This is an estimate only, not an offer or a recommendation. The amount you can actually release depends on your age, property type and value, health and lifestyle, and the lender's criteria. A personalised illustration will set out the real figures and costs.
Worth knowing. Taking the smallest amount that solves your problem, rather than the maximum available, is almost always the better decision. The maximum is a limit, not a target.
Capital and interest or interest only, over any term from five to forty years.
See what a given loan would cost each month.
An illustration only, based on the figures you enter. It is not a quote or an offer of credit. Actual rates depend on your circumstances, the lender's criteria and the loan-to-value.
Worth knowing. Cutting the term by five years usually costs far less per month than people expect, and saves a great deal of interest. Ask us to show you the comparison.
A starting point based on income multiples, before a lender looks at anything else.
Roughly how much a lender might consider lending you.
Most lenders work between four and five and a half times income. A few go further for higher earners or particular professions.
An illustration only. Lenders assess your credit file, outgoings, dependants and the property itself, and they stress-test payments at a higher rate. This is not a decision in principle and it is not an offer of credit.
Worth knowing. Two lenders can differ by tens of thousands on the same income. If the number here falls short of what you need, that does not mean the answer is no.
Stamp Duty Land Tax in England and Northern Ireland, LBTT in Scotland and LTT in Wales, at 2026/27 rates.
2026/27 rates for England and Northern Ireland, Scotland and Wales.
Figures are for residential purchases at 2026/27 rates and are an estimate. Your conveyancer will confirm the exact amount due. Rates and reliefs can change.
Worth knowing. Stamp duty is only one of the completion costs. Legal fees, searches, valuation and removals usually add several thousand pounds more.
How much interest a regular monthly overpayment strips out, and how much sooner you would finish.
What paying a little extra each month would save you.
Most fixed rate deals let you overpay up to 10 per cent of the balance each year without penalty. Above that an early repayment charge usually applies, so check your mortgage offer or ask us before you start.
Worth knowing. Ask your lender to reduce the term rather than the monthly payment. It feels the same each month and saves considerably more over the life of the loan.
Lenders price in tiers, and getting under the next one down can move you to a much cheaper rate.
Which rate tier your deposit puts you in.
Lenders price in tiers, commonly at 60, 75, 80, 85, 90 and 95 per cent. Getting under the next tier down, even by a small amount, can move you to a materially cheaper rate.
Loan-to-value tiers vary between lenders and change over time. This shows the common tiers as a guide, not the rates any particular lender will offer you.
Worth knowing. If you are a little over a tier boundary, finding a small amount more deposit is often the highest-return thing you can do with that money.
Gross and net yield on a buy-to-let, once running costs are taken into account.
Gross and net yield on a buy-to-let purchase.
Yield is not a forecast of return and takes no account of mortgage interest, tax or any change in property value. Your borrowing will be assessed on a rental stress test rather than on yield. Some buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Worth knowing. A high yield often signals a harder-to-let area or higher maintenance. Compare yield against the risk rather than looking at it on its own.
Interest keeps building while payments are paused. This shows how much, and what happens afterwards.
What pausing payments would really cost you.
A payment holiday is not a payment waiver. Interest continues to build on the balance and your payments afterwards will be higher. It must be agreed with your lender in advance, and depending on the arrangement it may be recorded on your credit file and affect future borrowing. If you are struggling, speak to your lender or to us early.
Worth knowing. If money is tight, speak to your lender or to us early. There are far more options available before arrears build up than after.
Calculators are a starting point. A free call with an adviser tells you what you can actually have.
Every calculator on this page gives an estimate for illustration only. None of them is a quote, an offer or a recommendation, and none takes account of your personal circumstances. Tax rates, reliefs, lender criteria and interest rates all change.