UK Property & Mortgage Calculators
A central hub of free, lender-aligned tools for UK home buyers and property investors. Estimate how much you can borrow, model Stamp Duty Land Tax, test mortgage overpayments and analyse buy-to-let yield and ROI — all in one place.
Buying & investing in UK property in 2025/26
From your first mortgage to a full buy-to-let portfolio
Buying property in the UK involves more than the headline price. Lenders assess affordability against income, debts and dependants — usually capping borrowing at 4 to 4.5× gross income. On top of the deposit, buyers face Stamp Duty Land Tax, conveyancing, survey fees and an arrangement fee. Investors add letting, refurb and void costs to the picture.
For homeowners, small mortgage overpayments compound powerfully: paying an extra £200 a month on a £250k mortgage at 5% can knock years off the term and save tens of thousands in interest. For landlords, what matters is net rental yield and cash-on-cash ROI after mortgage interest, management, insurance, maintenance and void allowances — not just the gross rent.
The calculators below model these flows using current UK lending norms and HMRC SDLT bands, including the first-time buyer reliefthresholds and the additional dwellings surcharge for second homes and buy-to-let. Use them to size up your budget, stress-test a deal or compare two properties side by side before making an offer.
The calculators
Seven property tools covering mortgages, stamp duty, overpayments, buy-to-let yield, ROI, bridging finance and BRRR strategy.
Mortgage Affordability Calculator
Estimate how much you could borrow, your monthly repayment and the property price your income and deposit will support.
Best for: First-time buyers & home movers
Open calculatorStamp Duty Calculator (SDLT)
Work out Stamp Duty Land Tax for England & Northern Ireland — standard, first-time buyer relief and the buy-to-let surcharge.
Best for: Anyone budgeting upfront purchase costs
Open calculatorBuy-to-Let ROI Calculator
Model rental cash flow, cash-on-cash ROI and 5-year capital growth on a UK buy-to-let property.
Best for: Landlords & property investors
Open calculatorMortgage Overpayment Planner
Built into the Mortgage Affordability Calculator — change the term and rate to see how overpayments cut interest and shorten the mortgage.
Best for: Existing homeowners reducing interest
Open calculatorRental Yield Calculator
Calculate gross and net rental yield, or work backwards from a target yield to your maximum offer price.
Best for: Buy-to-let due diligence
Open calculatorBridging Finance Calculator
Estimate monthly interest, arrangement fees and total cost of a UK bridging loan for auctions and refurbs.
Best for: Auction buyers & refurb investors
Open calculatorBRRR Strategy Calculator
Model Buy, Refurbish, Refinance, Rent deals — refurbishment uplift, refinance pull-out and money-left-in.
Best for: Refurb-and-refinance investors
Open calculatorLender & HMRC-aligned
Built around standard UK affordability rules and current SDLT bands for England & Northern Ireland.
Transparent assumptions
Every calculator shows the inputs and methodology — no black boxes, no email gates.
Always free
Educational tools for UK buyers and landlords. For complex decisions, speak to a regulated mortgage broker.
Read up before you offer
Plain-English UK property guides covering yield, stamp duty, bridging finance and full deal analysis.
FAQs
UK property & mortgage questions
Not sure where to start? Check what you can afford.
The Mortgage Affordability Calculator gives you a realistic borrowing figure, monthly repayment and target property price in under a minute — the fastest way to understand your UK property budget.