UK Mortgage Calculators
Free, mobile-friendly calculators for every stage of the mortgage journey — using current 2026 UK tax bands and lender rules.
TL;DR
Pick a calculator below. Each one shows the full breakdown of how the result is worked out, with the assumptions used and the date they were last updated.Buying
Investment
- Buy-to-letMortgage cost, yield, stress test.
- BTL stress test (ICR)Lender ICR rules.
- Rental yieldGross & net yield.
- Holiday letComing soonFHL income & costs.
Existing owners
Specialist
- Self-buildStage payments & costs.
- Bridging loanShort-term finance cost.
- Let-to-buyLetting current home & buying new.
- Joint borrower sole proprietorComing soonBoost borrowing with a guarantor.
Why use Mortgage118 calculators?
Every calculator is built around current UK rules — SDLT bands, LBTT and LTT thresholds, lender stress test rates and FCA-aligned affordability multiples. Each result page shows its assumptions and the date they were last updated, so you always know exactly what's behind the number.