Free loan calculators

How Much Can I Borrow?

Mortgage Borrowing Calculator

Please enter the income for the first and (if appropriate) second applicants and the maximum borrowing will be calculated

Applicant 1 income £
Applicant 2 income £
 
Maximum borrowing £

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

These figures are only illustrative. An assessment of your needs will be confirmed before a recommendation can be made. A Key Facts Illustration, which is personal to your circumstances, will be provided if a recommendation for a mortgage product is made.

How Much Could I Pay?

Mortgage Payment Calculator

Please enter the requested values, and then the monthly payment will be calculated

Loan amount £
Rate %
Term years
Repayment Interest only
 
Monthly payment £

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

These figures are only illustrative. An assessment of your needs will be confirmed before a recommendation can be made. A Key Facts Illustration, which is personal to your circumstances, will be provided if a recommendation for a mortgage product is made.

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Buying A Property to Rent (Buy to Let)

This can be a popular mortgage option for those wishing to invest in residential rental property.  Although the perception is that buy to let mortgages are expensive, this isn't necessarily correct.   There are many lenders who offer competitive rates, which in many cases are generally similar to the rates offered on a standard mortgage.

Landlords also have a choice between interest only and repayment mortgages. Buy to let mortgages do differ in several ways from standard mortgages.  When lenders are considering approving a buy to let loan, they generally base their decision on the likely rental income from the property and not necessarily the applicants' income.  A prospective landlord needs to be aware that the rental income typically needed is 125% of the mortgage repayment, although this can vary from as little as 100% rental income up to 130%.

With our expertise in this market, we can help you find the best product to suit your requirements.  With our extensive access to thousands of mortgages and our knowledge of lender's requirements, we can find you the right buy-to-let mortgage. 

The Financial Conduct Authority does not regulate some forms of buy to Lets.