- First-time buyer
First-time buyer
It’s not easy being a first-time buyer, but we’re here to help you find a mortgage and navigate homebuying. From the latest mortgage news and updates on first-time buyer support schemes to the best deals and tips on deposit saving, plus a range of practical guides – we’ve got you covered.
- Buy-to-let
Buy-to-let
Whether you are a first-time landlord or a buy-to-let professional, you’ll find everything you need to take out the best mortgage for your property investment needs. Stay up to date with the latest buy-to-let news and advice – from the top mortgage rates to the latest landlord requirements and rule changes.
- Homebuyer hub
Homebuyer hub
Buying or selling a home or looking to remortgage? Here’s all the latest news, advice and guides you need. Plus, we reveal what’s happening to mortgage rates, house prices and interest rates.
- Equity release
Equity release
This is the place for homeowners in later life and anyone looking to release equity from their home. With a comprehensive equity release advice section, the latest lifetime mortgage news plus useful guides you will find all the tools you need to navigate the equity release market.
- First-time buyer
First-time buyer
It’s not easy being a first-time buyer, but we’re here to help you find a mortgage and navigate homebuying. From the latest mortgage news and updates on first-time buyer support schemes to the best deals and tips on deposit saving, plus a range of practical guides – we’ve got you covered.
- Buy-to-let
Buy-to-let
Whether you are a first-time landlord or a buy-to-let professional, you’ll find everything you need to take out the best mortgage for your property investment needs. Stay up to date with the latest buy-to-let news and advice – from the top mortgage rates to the latest landlord requirements and rule changes.
- Homebuyer hub
Homebuyer hub
Buying or selling a home or looking to remortgage? Here’s all the latest news, advice and guides you need. Plus, we reveal what’s happening to mortgage rates, house prices and interest rates.
- Equity release
Equity release
This is the place for homeowners in later life and anyone looking to release equity from their home. With a comprehensive equity release advice section, the latest lifetime mortgage news plus useful guides you will find all the tools you need to navigate the equity release market.
Mortgage best buys
Your mortgage is likely to be your biggest financial commitment. So shopping around for the best mortgage rates is vital. what MORTGAGE can help you compare thousands of mortgage products from a wide variety of lenders, covering the whole of the market. This way, you can be confident you’re getting the right deal.
Find the latest mortgage rates, covering remortgaging and homebuying
Check your affordability and discover tailored products to your lending needs
Quickly compare deals side by side
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| Lender | Initial rate | Monthly payment | Set-up fees | APR |
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Mortgage calculator
Mortgage repayment calculator
Let’s calculate how much your monthly mortgage payments could be
Loan Amount (£)
Interest Rate (%)
Loan Term (years)
Mortgage repayment calculator FAQ's
How does the calculator work?
Enter your loan amount – your house price minus your deposit or equity – plus the interest rate from our Best Buy table and find out how much you will pay each month.
What should I consider when using the calculator?
Remember, mortgage interest rates are changing all the time and the rate for which you are eligible may be different to those on the Best buy tables. When you purchase your home you will also need to factor in additional costs such as fees and stamp duty.
What’s the next step?
This calculator is designed to give you an approximate figure for your repayments. To learn more and find out the best deals and exactly how much you’ll pay, it’s best to speak to a mortgage broker.
Stamp duty calculator
Stamp duty calculator
Calculate the Stamp Duty you will owe if you’re purchasing a residential property in England or Northern Ireland
I am buying
Property value
Stamp Duty Payable:£0
£0
Stamp duty calculator FAQ's
What is stamp duty?
Stamp duty land tax (SDLT) is a charge levied on buyers who purchase homes in the UK over a certain price. You should consider stamp duty as part of your costs when buying a home and factor it into your budget.
How much stamp duty do first-time buyers pay?
First-time buyers in England and Northern Ireland are exempt from stamp duty on properties up to £300,000. A 5% charge then applies on the amount above this. Use our calculator to find out your exact cost.
How much stamp duty do movers pay?
If you are buying a home, but are not a first-time buyer, you are exempt from stamp duty on the first £125,000. It is then charged at 2% up to £250,000 and 5% on the portion up to £925,000. Above this it’s charged at 10% and 12% depending on the value. Our calculator will help you understand the exact cost.
How much is stamp duty on second homes?
If you are buying a second home, to live in or as an investment, you will pay a stamp duty surcharge. This additional rate applies when you pay £40,000 or more for your second home. Find out how much you will need to pay using the calculator.
Overpayment calculator
Overpayment calculator
Note. Typically you’re only allowed to overpay by 10% of your outstanding mortgage balance per year, so bear this in mind in particular if you wish to make recurring overpayments more than once a year.
Overpayment calculator FAQ's
Before overpaying
Before overpaying your mortgage, check your lender allows you to do this penalty-free, and if there are any limits on how much you can overpay by.
If you’re on your lender’s standard variable rate, there’s normally no limit. But most fixed-rate mortgages and some tracker mortgages have an annual overpayment limit of 10% of your TOTAL outstanding mortgage balance.
As the exact method of how this 10% is calculated varies by lender, use our calculator as a rough guide. Then speak to your lender to work out exactly how much you can overpay by.
Also ensure that any overpayment you make goes to reduce the debt (so shortening the term) rather than reducing your monthly payments. This calculator assumes you reduce the mortgage debt, which is the main benefit of overpaying.
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Our recommended tools
How much can you borrow? What will your monthly repayments be? Use these quick, simple tools to help you do the sums.
Need a mortgage? We’ll link you with a mortgage adviser or lender who can fulfil your exact homebuying needs.
What is the best mortgage rate in the UK today? Which remortgage deals have the lowest rates? Check out our best buy table.
Search our database to find companies to help you at any stage of your homebuying journey, from mortgage lenders to removal firms.
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