When the purchase budget is still incomplete
Mortgage payments are not the whole purchase budget. If the deposit, fees and tax are still not clear, stay inside the budgeting tool cluster before reading too much into a monthly repayment number.
2026 Calculators Hub
Mortgage calculators organised by the decision you need to make
Start in the right place, whether you are testing a first purchase budget, reviewing a deal that is ending, comparing a scheme route or moving into a specialist case that needs more than one calculator.
Core, scheme and specialist tool routesStart-here journey pathsClear next-step linking
Start Point
Most buyers should begin with affordability, deposit, costs and SDLT
Specialist Routes
Schemes, tax, later-life lending and self-employed cases need deeper tools
Next Step
Move beyond calculators when lender policy, legal structure or advice suitability drives the answer
Start Here
Choose the tool family by the decision you are trying to make
Start with the route that matches the stage you are in, then move deeper only when the first calculation is clear.
I want to buy a home
Start with affordability, then move into deposit, fees and stamp duty so the budget is grounded before you browse properties.
My deal is ending
Jump into remortgage, repayment and rate-change tools if the real question is whether staying put or switching is cheaper.
My case is non-standard
Use the self-employed, shared ownership or specialist-property routes when lender policy matters as much as the maths.
I am investing
Move into buy-to-let, stamp duty and capital-gains-tax tools once the decision depends on yield, surcharge and exit tax considerations.
Tool Library
Full directory grouped by the question you need to answer
Browse the full library by problem type if you already know the next question you want to answer.
Core buying calculators
Start here if the goal is to work out whether the purchase budget and monthly payment still stand up.
Affordability Calculator
Set the borrowing ceiling before you search for property.
Mortgage Repayment Calculator
Model the main monthly payment, total interest and repayment schedule.
Deposit Calculator
Build the deposit plan with savings, gifts and Lifetime ISA support.
Fees and Costs Calculator
Add legal fees, surveys and other buying costs around the mortgage.
Stamp Duty Calculator
Bring current SDLT into the purchase budget before you offer.
Deal-change and payment-risk tools
Use these when the mortgage already exists and the question is how the cost changes if the deal, rate or payment behaviour changes.
Remortgage Calculator
Compare your current deal with a refinance or product-transfer route.
Interest Rates Calculator
See how rate changes move the payment and overall cost.
Early Repayment Charge Calculator
Estimate ERCs, exit fees and switching payback before leaving a deal early.
Overpayment Calculator
Test whether extra payments materially cut term and interest.
Stress Test Calculator
Pressure-test the mortgage against a higher rate scenario.
Offset Mortgage Calculator
Model how linked savings change mortgage interest costs.
Payment Holiday Calculator
Check the cost of a payment pause instead of relying on the short-term payment drop.
Scheme and first-home tools
Use these when the purchase route depends on a scheme rather than a plain-vanilla mortgage alone.
Investor and specialist property tools
These routes sit later in the decision because the case often depends on tax structure, rental assumptions or specialist advice.
Buy to Let Calculator
Model yield, monthly mortgage, rental income and basic deal economics.
Capital Gains Tax Calculator
Estimate residential property CGT with reliefs and allowable costs.
Equity Release Calculator
Project lifetime-mortgage drawdown and the effect of rolled-up interest.
Mortgage Comparison Calculator
Compare multiple product structures side by side.
Regional Property Intelligence
Use postcode-led location context alongside the core budget tools.
Tracking and case-shape tools
These routes help once the question becomes lender fit, case management or ongoing monitoring rather than one-off payment maths.
When To Move On
When a calculator should stop being the main tool
Some questions still need more than a scenario run. These are the points where the next step is usually a document check, lender check or adviser conversation.
When adviser, broker or lender status matters
Checking whether a firm is authorised is a separate task from deciding whether the numbers look attractive. Once the case is moving from planning into action, check the firm rather than relying on the calculator alone.
When the case depends on provider documents or tax treatment
Shared ownership SDLT, equity release, specialist tax or non-standard property cases should push you into deeper checks more quickly than a plain repayment scenario would.
When the choice is between deals, not just payments
The right mortgage choice is broader than one payment result. Features, fees, product structure and suitability still matter after the calculator does its job.
Next Reads
Use these guides once the tool path is clear
The hub works best when it connects the calculator cluster to the right longer-form guidance.
First-Time Buyer Advice
Use the main process guide when the decision is broader than one number and depends on the order of the buying journey.
Remortgage 2026 Guide
Read the wider guide if the deal-ending question includes lender process, switching windows or Mortgage Charter context.
Buy-to-Let Advice
Move here if the investor question needs yield, tax and lender-criteria context together.
Government Schemes Guide
Read the scheme guide if Shared Ownership, Lifetime ISA or another route is changing the purchase path.
Frequently Asked Questions
Which calculator should most buyers start with?
Most buyers should start with affordability and total buying costs before jumping into niche comparisons. That usually means checking borrowing range, deposit, fees and stamp duty before spending too much time on one product detail.
Do these calculators replace mortgage advice?
No. The calculators help you think more clearly before or alongside advice, but they do not replace lender checks, legal advice or regulated mortgage advice where your case needs it.
Why is there more than one mortgage payment tool here?
Because the questions are different. A broad mortgage calculator helps with the headline payment, while the repayment, stress-test, overpayment and remortgage tools dig into the specific trade-offs that a single monthly number can hide.
How do I know when I should stop using calculators and move to adviser or lender checks?
Move beyond the tools when the case depends on lender policy, legal structure, regulated advice or documents, such as shared ownership SDLT, self-employed underwriting, an interest-only repayment strategy or checking whether an adviser or lender is suitable for your case.