Mortgage Calculators
Work out your monthly payments, stamp duty cost, and how much you might be able to borrow, before you apply.
These calculators give you estimates to help you understand how the numbers work. They are not a mortgage offer. Your actual borrowing capacity and the exact rate available to you are confirmed at Agreement in Principle (AIP) and then again at full mortgage application.
For personal mortgage advice tailored to your circumstances, speak to a qualified adviser. DS Financial is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, FCA Firm Ref: 835094.
Mortgage Repayment Calculator
See your monthly mortgage payment, total repaid and total interest, from the loan amount, interest rate and term.
Affordability Calculator
Estimate how much you could borrow, factoring in your income, debts and deposit, the way lenders actually do.
Buy-to-Let Tax Calculator
Compare owning a rental in your own name against a limited company, on your own numbers, using 2026/27 tax rates. Includes what happens when you sell.
Stamp Duty Calculator
Work out the stamp duty (SDLT) you'll pay in England & N. Ireland, with first-time buyer relief and the second-home surcharge.
Overpayment Calculator
See the interest you'd save and the years you'd knock off your mortgage by overpaying each month or with a lump sum.
Moving Costs Calculator
Selling and buying? Work out your equity, full moving costs and how much deposit you'll have for the next place.
If a conversation would help.
Most of what's on this site, you can work through on your own. But if you'd ever rather talk to a real person, Debbie at DS Financial, a whole-of-market mortgage and protection brokerage, is brilliant. No pressure. Just a chat, if you'd like one.
Found this useful? If you'd rather talk it through with a real broker, book a free chat with DS Financial, the regulated mortgage adviser.
Book a free chat with DS Financial