Mortgage calculators & tools

Use our mortgage calculators to work out how much you could borrow and get an estimate on your mortgage repayments.

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Get an online lending decision in just 10 minutes

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Your home may be repossessed if you do not keep up repayments on your mortgage.

When it comes to mortgages, money matters. Our handy mortgage calculators can help you work out your monthly repayments, and discover how much you can borrow.

Borrowing calculator

Looking to climb the ladder or remortgage? Try our quick borrowing calculator and find out how much we may be able to lend you.

Takes approximately 2 minutes to complete

Borrowing calculator

Repayment calculator

How much will your monthly repayments cost? Our mortgage rate calculator can give you a quick estimate of how much you’ll owe each month.

Takes approximately 2 minutes to complete

Repayment calculator

Overpayment calculator

Want to reduce your interest payments and potentially knock years off your mortgage? Try our overpayment calculator to see how much you could save.

Takes approximately 2 minutes to complete

Overpayment calculator

Offset calculator

By offsetting your savings against your mortgage, you could save money in the long run. Just enter some details about your savings and mortgage requirements to discover how much you could keep in your back pocket.

Takes approximately 2 minutes to complete

Offset calculator

Our online mortgage calculators explained

But which mortgage calculator should you use? If you want to find out how much you might be able to borrow for buying a new home or remortgaging, that’s where our borrowing calculator can help. Maybe you’re wondering how much the monthly repayments might be and how much you would be able to afford for a mortgage. If so, we have a mortgage repayment calculator just for that. Our repayment calculator can provide you with an estimate of your monthly repayments, based on the size of mortgage you need.

We also provide an offset calculator to explain how an Offset Mortgage could benefit you by combining your mortgage with your savings to reduce the interest you pay. You’ll need to provide details of your savings plus your mortgage requirements and we’ll show you how an Offset Mortgage can save you money – either by reducing your mortgage term or the amount you pay for your mortgage, now or in the future.

What next?

Once you’ve tried the mortgage calculator, assessed your borrowing amount and had a look at what you can afford, you’re ready to get a lending decision. We’ll just need to take a few details from you – then we’ll be able to tell you whether or not we can lend to you and if so, how much. You can obtain a lending decision online in just 10 minutes and it’s absolutely free to apply.

If you’re interested in jumping straight to our current mortgage deals, you can start by using our mortgage finder tool


Visit us

You can visit us in branch to speak to a mortgage adviser.

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Speak to one of our friendly mortgage advisers about your options

0345 166 9510*

8.00am - 8.00pm Mon-Fri 9.00am - 1.00pm Sat