Mortgage calculators

Our quick mortgage calculators can give you an indication of how much you could borrow depending on your circumstances.

Do you qualify? Only takes a few minutes, NO CREDIT CHECKS!

What is a mortgage calculator?

It’s an online tool, used to indicate the affordability of different mortgages. They are essential when budgeting as they can give you an idea of your deposit requirements and monthly payments.

Our quick calculators can give you an indication of how much you could borrow depending on your circumstances. They also won’t affect your credit score because we don’t perform credit checks at this stage!

Mortgage calculators

Our range of mortgage calculators can help you estimate what you could borrow, what your repayments might be, and how different circumstances affect your options. They’re quick to use, completely free, and won’t impact your credit score in any way!

Affordability calculator

Find out how much you could borrow based on income and monthly spending.

Bad credit mortgage calculator

Estimate your borrowing potential if you’ve had credit issues in the past.

Self-employed mortgage calculator

See how much you might borrow if you’re self-employed or run your own business.

Buy-to-let mortgage calculator

Work out what you could borrow for a property you plan to rent out.

Mortgage repayment calculator

Understand your potential monthly payments based on loan amount, term, and rates.

Remortgage calculator

Check if remortgaging could save you money or improve your mortgage deal.

Stamp duty calculator

Calculate how much Stamp Duty you’ll need to pay on your property purchase.

Shared ownership mortgage calculator

Estimate your mortgage on a part-buy, part-rent shared ownership property.

Right to buy mortgage calculator

Find out how much you can borrow under the Right to Buy scheme.

Interest-only mortgage calculator

See what your monthly interest payments could be with an interest-only mortgage.

Equity release mortgage calculator

Estimate how much tax-free cash you could release from your home’s value.

Frequently asked questions

Each mortgage calculator is different, you will be asked different questions depending on the calculator. All our calculators use the same principle to arrive at the result:

  • Firstly, you will be asked to input information about your personal circumstances.
  • And then in return, you will be given an outcome about affordability, or your chances of obtaining a mortgage.

For example:

  • With a Right-to-Buy calculator, the outcome will indicate your chances of getting the mortgage based on your circumstances.
  • An Affordability calculator will tell you how much you can borrow based on your income and deposit.
  • A Mortgage Repayment calculator can help you to calculate mortgage payments based on interest rates and so on.
  • Our Bad Credit calculator can help you to understand how much you might be able to borrow. It looks at your credit score and the type of bad credit circumstances you have.
  • Our Buy-to-Let calculator can help you to understand if you will be eligible for a mortgage based on the rental income you expect and how much mortgage you need.

A mortgage calculator is not 100% accurate because there is no one-size-fits-all option with mortgages.

However, they can indicate how much you may be able to borrow. They can be useful in helping you to plan for applying for a mortgage by:

  • Helping you to understand your affordability.
  • Giving an indication of roughly how much you might be able to borrow based on your circumstances.
  • Showing how much stamp duty you might pay on a property.

Because calculators only give an indication, it is always best to speak to a mortgage advisor before approaching a lender. As mortgage advisors, we can help you get the best deal for your circumstances through our great relationships with lenders.

Excellent

4.98 based on 892 reviews

Sarah Sterling

Verified user

Using Ipswich Mortgage Centre for my property purchase was really easy and gave me the security I needed for a big decision. Ciaran was fantastic in providing me with information on the options available to me and ensuring the whole process ran smoothly. If there were any issues, Ciaran quickly stepped in to clarify and supported me through each step to ensure the transfer happened on time. Thanks for all your help. I would highly recommend working with Ciaran!

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United Kingdom, 1 day ago

Jonathan Burls

Verified user

We were very happy with the service that was provided.

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United Kingdom, 2 days ago

Iain Fish

Verified user

Thomas Hobin has been very helpful over the years - I first contacted him about 3 years ago but due to circumstances have only recently secured a mortgage. Very helpful at every stage. Many thanks

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United Kingdom, 3 days ago

Anonymous

Verified user

Graham Storey our mortgage advisor help us to achieve to get our new house. They’re helping us to find a low interest rate of our mortgage and help us find our house insurance fit for our budget. Easy to book for appointment to see them face to face and staff are friendly .

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United Kingdom, 1 week ago

Reece Cannell

Verified user

Very Good service and very easy to deal with. would recomend them!

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United Kingdom, 1 week ago

Shaun Stanton

Verified user

Highly recomend using Will, I have spoken with him over the last year and a half for advice whilst buying my first property. Friendly, approachable and very helpful for pointing me in the right direction. Although I was declined through several lenders Will persevered and found a lender that approved me. Finally moved in a month ago and feel this would not have been achievable without him.

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United Kingdom, 1 week ago

Charlotte Foster

Verified user

We have used the mortgage centre for our last 4 remortgages and Tom has been great. Tom’s very knowledgeable, makes helpful recommendations and works really efficiently. Would definitely recommend

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United Kingdom, 1 week ago

Hollie Farrow

Verified user

William Holden at Ipswich mortgage centre was amazing, very knowledgeable and helpful plus efficient with any queries we had. Made our mortgage completion feel easy and stress free.

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United Kingdom, 1 week ago

Lucy

Verified user

Mark Gardiner was my mortgage advisor and honestly he was amazing throughout the whole process. Before Mark contacted me I was at a complete loss as to whether I would ever own my own home due to other mortgage affordability calculators with other organisations. Mark spoke everything through with me at every step of the way, and answered every single one of my questions (there were a few, as I knew absolutely nothing about the process of buying a house!). Mark always made himself available to speak to me, I feel like he went above and beyond for me and my situation, which I really did appreciate. I do not have the right words to describe my gratitude to Mark, if it wasn’t for him I don’t think I would be sitting in my very own house right now. I had such a fantastic experience because of Mark, i would recommend him and your organisation to anyone looking to purchase a house, especially if you are a first time buyer. I just wanted to express my gratitude, and to ensure that Mark gets the acknowledgement for all of the time and effort that he put into my case.

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United Kingdom, 1 month ago

Marcin Ziolkowski

Verified user

Graham from Ipswich Mortgage Centre was an incredible help, exceed my expectations during remortgage time, very patient with my changing requests! Highly recommend to anyone! Will definetely use again in future.

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United Kingdom, 1 month ago

Why choose us?

From your first no obligation chat to completion, we guide you with experience, choice, and service that puts you first.

Free initial advice
5 star reviews
Access to the whole market
Established over 25 years
Personal service

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Our team will aim to get back to you within 24 hours.

0330 0945876 local rate.
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