CALCULATORS

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?

Loan amount (£)

Interest rate (% per year)

Term (years)

Type

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.

Your annual income (£)

Second applicant income (£, optional)

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.

Purchase price (£)

I am...

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.

Don’t take my word for it

★★★★★ 5.0 from 95 Google reviews

      EXCELLENT  
   Based on 95 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Alan Birchmore 
 
 
 
 Trustindex verifies that the original source of the review is Google. We had been recommended Charles at Easy Mortgages for our next mortgage. We are so glad we have taken the recommendation. Charles made the whole process easy, provided great advice and made it seemless. He spent time with us discussing our options clearly, even with a possible move thrown in. Would recommend Charles at Easy Mortgages every time.
  
 
      Posted on Google  
   
   Diane Hopping 
 
 
 
 Trustindex verifies that the original source of the review is Google. Charles is friendly and professional.  Easy is definitely the word I would use to describe the process of additional borrowing on our Mortgage.  Charles went above and beyond to fulfil our borrowing needs.  We highly recommend him and look forward to working with him again.
  
 
      Posted on Google  
   
   Carol Weeks 
 
 
 
 Trustindex verifies that the original source of the review is Google. Expert, friendly and professional service. Charles was excellent, my case wasn't the easiest however he found me a great deal and stuck with me until it was approved. Brilliant service
  
 
      Posted on Google  
   
   ryan parker 
 
 
 
 Trustindex verifies that the original source of the review is Google. Got my initial mortgage with charles 2 years ago Renewed with charles as per last time he was very helpfull cost effective and friendly  and helpfull
  
 
      Posted on Google  
   
   Louisa Greenslade 
 
 
 
 Trustindex verifies that the original source of the review is Google. We used Charles at Easy Mortgages to help get a great deal on our new mortgage! Charles couldn’t have been more helpful and certainly worked hard for us to get the best deal in challenging times! He stayed late to submit our paperwork and chased our offer when needed! We are very grateful! Thank you 🥰
  
 
      Posted on Google  
   
   Kelly Howard 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommend Charlie. He was friendly, very helpful and made the whole process easy. Charlie is so knowledgeable and explained all our options to us. I'm so glad we found him. Fantastic service.
  
 
      Posted on Google  
   
   Elizabeth Keates 
 
 
 
 Trustindex verifies that the original source of the review is Google. Charles is consistently professional, knowledgeable and genuinely committed to helping people make the right decisions. He takes the time to understand individual circumstances and offers clear, honest guidance, which is rare and very valuable in this industry. If you are looking for someone trustworthy and reliable to speak to about your mortgage options, Charles is absolutely someone I would suggest you connect with.
  
 
      Posted on Google  
   
   Chris Armstrong 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a really tricky remortgage to do. Some consolidation, paying off a HTB loan on the property, a house in a private road with various TP1 issues missing from the docs filed at Land Registry, Overage rights on the communal land we own that nobody knew about. Not only did Charles get me the mortgage I needed but helped me navigate the above with the conveyancer. There is a reason he is winning awards!!!
  
 
      Posted on Google  
   
   Diane Calvert 
 
 
 
 Trustindex verifies that the original source of the review is Google. Can’t recommend Charlie highly enough. He is  a good listener, very professional, knowledgable and caring. He is reliable and follows things through to completion. Thank you Charlie!!!
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

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.