Free Mortgage Calculators & Eligibility Checker UK
Use our free mortgage estimator, eligibility calculator, and affordability checker to work out your monthly payments, how much you can borrow, stamp duty, overpayment savings, and your loan-to-value. No sign-up needed.
Mortgage Estimator UK: What Will My Monthly Payments Be?
Use this free mortgage estimator to see how the amount you borrow, your mortgage term, and interest rate affect your monthly repayments.
Monthly Payment
£1389.58
Total Repayment
£416,874
Total Interest
£166,874
This calculator provides estimates only.
Mortgage Eligibility Calculator: How Much Can I Borrow?
Use our free mortgage eligibility checker to see roughly how much mortgage lenders might offer you based on your household income.
Income Multiplier
5.5x
Maximum You Could Borrow
£275,000
Estimate only. Lender criteria vary.
How Much Stamp Duty Will I Pay?
Enter the property price to see your stamp duty bill. Tick the boxes if you're a first-time buyer or buying an additional property.
Stamp Duty to Pay
£2,500
Effective Rate
0.83%
Based on England & Northern Ireland rates. Scotland and Wales have different rates. See our stamp duty guide for details.
Mortgage Overpayment Calculator: How Much Can I Save?
See exactly how much you could save by making mortgage overpayments. Even small extra payments each month can save thousands in interest and take years off your mortgage.
Total Interest Saved
£36,280
Time Saved
6 years 1 months
Most lenders allow up to 10% overpayment per year penalty-free. See our overpayments guide.
What Is My Loan-to-Value Ratio?
Your loan-to-value (LTV) is the percentage of the property you're borrowing. Lower LTV = better rates. Enter your numbers below.
Your LTV
75.0%
Your Equity
£75,000
Deposit / Equity %
25.0%
Rating: Good — competitive rates available
See our LTV guide for a full breakdown.
Understanding Your Mortgage Numbers
Getting a mortgage is one of the biggest financial decisions you'll make. Our free calculators help you plan ahead — whether you're a first-time buyer, moving home, or looking to remortgage.
What affects your monthly payments?
- Loan amount — The more you borrow, the higher your monthly payments.
- Mortgage term — Longer terms mean lower monthly payments but more interest overall.
- Interest rate — Even small rate differences have a big impact. A fixed rate gives certainty, while a tracker can go up or down.
Why use Amazon Mortgages?
We're a 100% fee-free mortgage broker. We're paid by the lender when your mortgage completes. We search thousands of deals from across the market and we're FCA regulated.