About UK Mortgage Calculator

UK Mortgage Calculator provides free tools to help UK homebuyers and homeowners understand their mortgage costs. Our calculators cover repayment estimates, stamp duty, affordability and overpayment savings.

Our Tools

• Mortgage Repayment Calculator — Monthly payments, total cost and interest for repayment and interest-only mortgages
• Stamp Duty Calculator — SDLT for standard buyers, first-time buyers, additional properties and non-UK residents (2026/27 rates)
• Affordability Calculator — How much you could borrow based on income and deposit
• Overpayment Calculator — How extra payments reduce your term and save interest

Data Sources

All calculations use standard financial formulas. Stamp duty rates are sourced from GOV.UK. Affordability estimates are based on the industry-standard 4-4.5x income multiplier used by major UK high street lenders. Base rate information from Bank of England.

Regulatory Notice

This website is operated by Quicksolve Digital Ltd (Company No. 17385486), registered in England and Wales. We are not authorised or regulated by the Financial Conduct Authority (FCA). We do not provide financial advice, mortgage advice, or personal recommendations of any kind. Our calculators produce generic illustrative estimates only.

For personalised mortgage advice, speak to an FCA-regulated mortgage adviser. You can find one via the FCA Register.

Contact

For questions or corrections: siteadmin@quick-solve-digital.com