Mortgage🏠 How Much Can I Borrow?
You could borrow between
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Maximum property price: — – —
Est. P&I payment: — – —/mo
Your LTV
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LTV Band
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💡 How to Improve Your Borrowing
Stamp Duty Land Tax is an extra cost on top of your deposit. Use our free calculator to find out exactly what you'll pay.
💷 Monthly Repayment Calculator
Interest vs Principal Breakdown
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Monthly Repayment (P&I)
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per month (capital repayment mortgage)
Total Paid
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Your LTV
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📊 How Your Repayment Changes at Different Rates
Use this to see the impact if rates rise or fall from your current rate.
| Interest Rate | Monthly Repayment | Total Repaid |
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📅 Year-by-Year Breakdown (Amortisation Schedule)
See exactly how much of each year's payments go to interest vs paying off your loan.
| Year | Interest Paid | Capital Paid | Balance Remaining |
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📈 Rate Rise Stress Test
Lenders must stress-test your mortgage to ensure you could still afford it if interest rates rose by 3% or more. See exactly what that means for you.
Enter your details to see your stress test results.
🔢 Repayments at Different Rates
| Rate | Monthly Payment | Extra vs Now | Risk Level |
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⚠️ Stress zone = rates lenders test against. 🚨 High risk = significant financial pressure.
ℹ️ What is a Mortgage Stress Test? (UK)
Since 2014, UK mortgage lenders have been required by the Financial Conduct Authority (FCA) to stress-test all mortgage applications. This means checking whether you could still afford your repayments if interest rates rose significantly — typically by 3% above the initial rate. Even if you're on a fixed-rate deal, lenders must ensure you'd manage when that deal ends and you move to a variable rate. This is why you may be offered less than you expect, even with a healthy income.
⚡ Overpayment Calculator
Even small monthly overpayments can save you tens of thousands in interest and years off your mortgage. See the difference for yourself.