Couple in new home reviewing plans for the house after using our mortgage calculator during the process of purchasing it.

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!

Woman in new home after using our mortgage calculator during the process of purchasing it. Prior to that she learned what a mortgage calculator is through this website.
Woman in new home after using our mortgage calculator during the process of purchasing it. Prior to that she learned what a mortgage calculator is through this website.

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!

Image of hand and calculator, this is representative of our mortgage affordability calculator in action.

Affordability calculator

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

Couple in new house after using our mortgage repayment calculator during the process of purchasing it.

Mortgage repayment calculator

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

Woman in new home after using our bad credit mortgage calculator during the process of purchasing it.

Bad credit mortgage calculator

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

Woman on laptop in new home after using our self employed mortgage calculator during the process of purchasing it.

Self-employed mortgage calculator

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

Couple outside their new home after using our buy to let mortgage calculator during the process of purchasing it.

Buy-to-let mortgage calculator

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

Couple with friend in new home after using our remortgage calculator during the process of purchasing it.

Remortgage calculator

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

Family in new home after using our stamp duty calculator during the process of purchasing it.

Stamp duty calculator

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

Couple in new home after using our shared ownership mortgage calculator during the process of purchasing it.

Shared ownership mortgage calculator

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

Woman outside the front of new home after using our right to by mortgage calculator during the process of applying for it.

Right to buy mortgage calculator

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

Woman looking through interest only mortgage calculators.

Interest-only mortgage calculator

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

Elderly couple studying our equity release mortgage calculator.

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 936 reviews

Mamita Gurung

Verified user

⭐⭐⭐⭐⭐ Outstanding service from start to finish! I cannot recommend Mark Gardiner highly enough as a mortgage advisor. From our very first conversation, he took the time to fully understand my financial situation, goals, and concerns, and explained every step of the process in clear, simple terms—no confusing jargon at all. Mark went above and beyond to find the best possible mortgage deal tailored exactly to my needs, comparing options thoroughly and always keeping me updated with regular progress reports. He was incredibly responsive, patient, and proactive throughout, anticipating potential issues and resolving them quickly to keep everything on track. Thanks to his expertise, attention to detail, and genuine commitment to getting the best outcome for me, what could have been a stressful process felt smooth and straightforward. I felt completely confident and well-supported at every stage. If you’re looking for a knowledgeable, trustworthy, and dedicated mortgage advisor, Mark is the person to choose. I would not hesitate to use his services again or recommend him to friends and family.I will definitely use him in the future too. Great work

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United Kingdom, 1 week ago

Lisa-Marie Davis

Verified user

We were recently supported by John during our house sale and onward purchase. Everything was effortless and we were kept informed in a timely manner. John also supported us with updating our life insurance and even with some complications and delays John was committed to finding us the best deal and ensuring we had everything covered that we needed.

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United Kingdom, 1 week ago

Taranjeet Minhas

Verified user

I have been using Needham Mortgage centre for the last 15 years and have always received a brilliant and unbiased professional service. Recently introduced them to a work colleague who is a first time buyer and I tell you what, they havent let me down. Will highly recommed them anyone and everyone, all day & everyday!

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United Kingdom, 1 week ago

Lauren Bell

Verified user

John was absolutely amazing throughout what turned into quite a lengthy process. He was incredibly patient, kept in regular contact, and made sure we were fully informed every step of the way. His communication and support made a huge difference, and we’re really grateful for everything he did for us.

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United Kingdom, 1 week ago

Anonymous

Verified user

John and Niki were extremely helpful in arranging our recent re-mortgage. We were able to get a good fixed rate for the next five years. Any questions were answered promptly. I couldn't recommend Mortgage Centre highly enough.

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United Kingdom, 1 week ago

Rory Gooding

Verified user

I couldn't recommend Needham Mortgage Centre highly enough. From the start to the end of buying our first home, Jordan provided us with clear guidance and exceptionally prompt responses to any queries we had. For what we expected to be a stressful and confusing part of buying our first house, the Needham Mortgage Centre couldn't have done any more to make it understandable and stress-free.

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United Kingdom, 1 week ago

Heidi Jennings

Verified user

Mark provided friends and top tier service, he found us a mortgage that worked really well for us, and talked us through all the options so we could make informed decisions. He supported us throughout the entire process with getting our mortgage in principle when looking to buy, right up until completion, we look forward to returning to his service when our mortgage needs renewing. He also put us in touch with other members of the team who helped us with all the different types of insurances, which made the process of buying as a first time buyer so smooth. Thank you for all your support Mark and the rest of the team.

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United Kingdom, 1 week ago

Jordan Hamlin

Verified user

We as first time buyers was worried with the the mortgage process but we had Jordan Gardiner who was brilliant finding us the best deals. He is very knowledgeable and professional explaining everything very efficiently and always replying very quickly if we had any questions at all. He had made the process totally stress free. I would 100% recommend Needham Mortgage Centre to anyone looking to remortgage or are trying to get on the property ladder.

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United Kingdom, 1 week ago

Charlotte Gardiner

Verified user

Needham Mortgage centre has been incredible throughout our last two moves. They have provided us with excellent advice and support. They kept us updated and chased others where needed. Excellent service.

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United Kingdom, 1 week ago

Elizabeth Twyman

Verified user

We have used Mark from Needam morgage centre for the purchase of our home a few years ago and now to remortgage. He is an expert in his field and knows everything there is to know. Would never use anyone else. Highly recommend.

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United Kingdom, 1 week 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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0330 0945876 local rate.
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