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Mortgage118

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

Existing owners

Specialist

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.

Mortgage118

The UK's most comprehensive mortgage broker directory

Directory

Company

Mortgage118 is an independent broker directory — not a mortgage broker or lender — and does not provide mortgage advice. All brokers listed hold their own individual FCA authorisation; always verify a broker's status on the FCA Register. Important: Your home may be repossessed if you do not keep up repayments on your mortgage, and you should think carefully before securing other debts against your home. Mortgage118 does not charge consumers. If you have a complaint about a mortgage broker, contact the Financial Ombudsman Service. Mortgage brokers are not covered by the Financial Services Compensation Scheme (FSCS) for mortgage advice — check with your broker directly about their professional indemnity insurance. Mattison Elm Ltd trading as Mortgage118 — Company No. 09831228 — Registered at 7 Bell Yard, London WC2A 2JR.

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    UK Mortgage Calculators — Stamp Duty, Affordability, BTL & More | Mortgage118