Mortgage calculators

How much you can afford depends on factors like income, any outgoings and the size of your deposit.

Our mortgage calculator can give you an indication of how much money you may be able to borrow towards your property purchase. It also helps you understand what your potential monthly repayments could be.

It’s best to use our mortgage calculator at the start of your home buying journey, or if you are looking to remortgage to us. You can use it to get an initial understanding of what you may be able to afford to borrow, what your monthly repayments may look like and potential interest rates.

It's quick to use. It should take just 2-5 minutes to complete our mortgage calculator.

No, using our mortgage calculator tool or getting an Agreement in Principle won't have any impact on your credit score. We’d only conduct a full credit check with credit reference agencies if you went on to formally apply for a mortgage with us.

Both our mortgage calculator and Agreement in Principle tool give you an indication of how much you could borrow, your monthly repayments and potential interest rates.  

These tools are helpful if you're house-hunting or looking to remortgage. However, an Agreement in Principle gives you a more formal document to show estate agents and sellers that you’re in a financial position to purchase a property.

We do ask for a little more information as part of an Agreement in Principle application. But if you are seriously considering buying, it’s a good idea to have it in place before viewing properties.

When you use our mortgage calculator, we’ll ask how much money you have to put towards the deposit for your mortgage.

The minimum amount you would have to contribute is a 5% mortgage deposit (so, a 95% loan-to-value mortgage), although this minimum may differ depending on what type of mortgage you are looking for.

If you had a 10% mortgage deposit, and were purchasing a property for £200,000, your deposit would amount to £20,000.

The size of your mortgage deposit will have a direct impact on your monthly repayments, and the overall cost of your mortgage. Therefore, it's an important thing to consider if you are planning to purchase a property.

You can use our mortgage rate finder to quickly see what mortgage rates we may be able to offer you.

Just let us know if you’re a first time buyer, moving home or remortgaging from another lender and we’ll show your available mortgage options. You can filter by mortgage type and duration to compare and see what may suit you best.

Learn more about understanding mortgage interest rates, or you can find out more about what different mortgage types mean if you're not sure which mortgage might be best for you.