Our range of mortgage calculators can help you estimate what you could borrow, what your repayments might be, and how different circumstances affect your options. They’re quick to use, completely free, and won’t impact your credit score in any way!
Mortgage calculators
Our quick mortgage calculators can give you an indication of how much you could borrow depending on your circumstances.
Do you qualify? Only takes a few minutes, NO CREDIT CHECKS!
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What is a mortgage calculator?
It’s an online tool, used to indicate the affordability of different mortgages. They are essential when budgeting as they can give you an idea of your deposit requirements and monthly payments.
Our quick calculators can give you an indication of how much you could borrow depending on your circumstances. They also won’t affect your credit score because we don’t perform credit checks at this stage!
Mortgage calculators
Affordability calculator
Find out how much you could borrow based on income and monthly spending.
Bad credit mortgage calculator
Estimate your borrowing potential if you’ve had credit issues in the past.
Self-employed mortgage calculator
See how much you might borrow if you’re self-employed or run your own business.
Buy-to-let mortgage calculator
Work out what you could borrow for a property you plan to rent out.
Mortgage repayment calculator
Understand your potential monthly payments based on loan amount, term, and rates.
Remortgage calculator
Check if remortgaging could save you money or improve your mortgage deal.
Stamp duty calculator
Calculate how much Stamp Duty you’ll need to pay on your property purchase.
Shared ownership mortgage calculator
Estimate your mortgage on a part-buy, part-rent shared ownership property.
Right to buy mortgage calculator
Find out how much you can borrow under the Right to Buy scheme.
Interest-only mortgage calculator
See what your monthly interest payments could be with an interest-only mortgage.
Equity release mortgage calculator
Estimate how much tax-free cash you could release from your home’s value.
Frequently asked questions
Each mortgage calculator is different, you will be asked different questions depending on the calculator. All our calculators use the same principle to arrive at the result:
- Firstly, you will be asked to input information about your personal circumstances.
- And then in return, you will be given an outcome about affordability, or your chances of obtaining a mortgage.
For example:
- With a Right-to-Buy calculator, the outcome will indicate your chances of getting the mortgage based on your circumstances.
- An Affordability calculator will tell you how much you can borrow based on your income and deposit.
- A Mortgage Repayment calculator can help you to calculate mortgage payments based on interest rates and so on.
- Our Bad Credit calculator can help you to understand how much you might be able to borrow. It looks at your credit score and the type of bad credit circumstances you have.
- Our Buy-to-Let calculator can help you to understand if you will be eligible for a mortgage based on the rental income you expect and how much mortgage you need.
A mortgage calculator is not 100% accurate because there is no one-size-fits-all option with mortgages.
However, they can indicate how much you may be able to borrow. They can be useful in helping you to plan for applying for a mortgage by:
- Helping you to understand your affordability.
- Giving an indication of roughly how much you might be able to borrow based on your circumstances.
- Showing how much stamp duty you might pay on a property.
Because calculators only give an indication, it is always best to speak to a mortgage advisor before approaching a lender. As mortgage advisors, we can help you get the best deal for your circumstances through our great relationships with lenders.
Why choose us?
From your first no obligation chat to completion, we guide you with experience, choice, and service that puts you first.
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Our team will aim to get back to you within 24 hours.
0330 0945876 local rate.
enquiries@themortgagecentres.co.uk
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