Working out how much you might be able to borrow for your UK mortgage is a key first step. Our calculators help to give you an initial estimate based on factors such as your annual income and outgoings.
By providing this information, the tool can offer an indication of the potential loan amount lenders might consider. Keep in mind that this is an illustrative figure, and the actual amount you can borrow will depend on a lender’s full affordability assessment, which takes into account your credit history, deposit size, and other financial commitments.
Our calculators provide a useful starting point for understanding your borrowing potential for your dream property purchase.
Planning your mortgage repayments is a crucial step in buying a home. Our mortgage repayment calculators are designed to help you explore different scenarios and understand your potential outgoings.
Simply input the property value, your deposit amount, and the desired mortgage term and interest rate to see estimated monthly payments. You can also experiment with different interest rates and repayment periods to assess affordability and the overall cost of your mortgage. This allows you to budget effectively and make informed decisions about your borrowing.
Navigating the costs associated with buying a home in the UK involves understanding Stamp Duty Land Tax (SDLT). Our Stamp Duty calculator is a straightforward tool to help you estimate this potential cost.
Simply enter the property price, and the calculator will determine the applicable SDLT based on the current tax bands in England and Northern Ireland (please note that Scotland and Wales have their own Land Transaction Tax and Land and Buildings Transaction Tax respectively).
This will give you a clear idea of the upfront costs you’ll need to factor into your budget, ensuring there are no unexpected expenses as you proceed with your property purchase.
Thinking about paying off your mortgage faster? Our mortgage overpayment calculator can help you see the impact of making additional payments.
By inputting your current mortgage details, the regular overpayment amount, and how often you plan to overpay, you can visualise how much sooner you could be mortgage-free and the total interest you could save over the life of your loan.
This tool allows you to explore different overpayment strategies and assess how they fit into your financial planning, potentially saving you a significant sum in the long run.
Use our vast experience within the mortgage market to your benefit, and be supported by industry experts with your most prized purchase.
We help buyers just like you to get a mortgage – regardless of your financial situation. With over 35 years of experience and access to all market lenders, we are specialists in finding the right mortgage and protection you need.
01245 398 466
EHF Mortgages is a trading name of Essex Home Finance Limited and is authorised and regulated by the Financial Conduct Authority FCA No.940123. Registered in England no: 10607263 with address: 2 The Old Coal Yard, Little Waltham Road, Chelmsford, CM1 7TG
Some types of finance such as bridging, development, commercial and buy-to-let mortgages may not be regulated by the Financial Conduct Authority. Fees may be payable for advice and/or arrangement of your mortgage. As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the repayments on it or any other loan secured against it. Think carefully before securing other debts against your home. Will writing and Estate planning is not regulated by the FCA.