Residential tool

Mortgage payment and cash-needed calculator

Built for homeowners and movers who want a clear monthly figure and a honest day-one cash total — then a conversation if the numbers look worth testing with a lender.

Illustrative figures only. This calculator is not advice and not a personal recommendation. It does not check affordability, product eligibility, or whether a lender would offer this loan. Speaking to a regulated adviser is a separate step.
What are you modelling?
£
Zero deposit is allowed — LTV will show 100% before any fee added to the loan.
£

LTV 85.7% Updates as you type. Fee added to the loan lifts LTV.

% p.a.
years
How is the loan repaid?
£

Optional illustrative purchase tax (SDLT / LTT)

Illustrative only. England & Northern Ireland use SDLT bands (GOV.UK structure from 1 April 2025). Wales uses Land Transaction Tax (GOV.WALES: main from 10 Oct 2022; higher from 11 Dec 2024). Scotland LBTT is not modelled. First-time buyer relief and the non-resident surcharge are not modelled. Welsh higher rates are a separate band table (not a flat surcharge). Replacing a main residence is not modelled for refunds.

Nation / tax
Residence type
England/NI additional property uses higher rates (+5% on each SDLT band), generally from £40,000. Wales additional property uses the separate higher LTT table. Replacing a main residence can be treated differently in real life — this toggle does not model refunds.