The all-in-one UK mortgage calculator
Four calculators in one. Flip between Affordability, Remortgage, Overpayment (with a year-by-year savings graph) and Buy-to-Let — every number recalculates live as you type.
Get your free Step-by-Step Guide to Buying a Property
Everything a first-time buyer needs — deposits, mortgages, solicitors and completion — in one plain-English PDF.
Solid LTV bracket
At 82% LTV you're in mainstream lending territory. Pushing toward 75% LTV typically unlocks materially cheaper rates.
Debts are dragging your borrowing
Your £150/mo of debt repayments reduces your maximum loan by roughly £16,200. Clearing card balances before applying can meaningfully expand affordability.
Stress-test your budget
At a stressed +2% rate your payment would be £1,177.54/mo (vs £943.95 today). Make sure that's still comfortable — that's the test lenders run.
Educational tool only — not regulated financial advice. Example rates used for illustration.