Quick mortgage calculators
Rough numbers in seconds. The exact figures always depend on your circumstances, so treat these as a guide – then ask me for the real answer.
Monthly repayment calculator
What would a mortgage cost each month?
Estimate only - your actual rate and payment depend on your circumstances and the lender.
How much could I borrow?
A rough guide based on the income multiples most UK lenders use.
Most lenders offer roughly 4 to 4.5 times income; some go higher in the right circumstances. Your actual figure depends on outgoings, credit history and the lender - message Charles for a personal answer.
Stamp duty calculator (England & NI)
Stamp Duty Land Tax on residential purchases, using the current bands.
England & Northern Ireland rates (from April 2025). First-time buyer relief only applies up to £500,000. Additional-property surcharge applies from £40,000. Scotland and Wales use different systems - ask Charles.
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Check your credit file first
Different lenders check different credit agencies, so before you apply it’s worth seeing all your credit reports in one place. Checkmyfile shows them all together – free for 30 days, then £14.99 a month, cancel anytime.
Want the real numbers?
Calculators guess. I don’t. Two minutes on the form or WhatsApp and I’ll tell you what you can actually do.