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Mortgage Calculator
Work out your monthly mortgage payments and see what you can comfortably afford with our Mortgage Calculator.
FAQs —
Mortgage & Finance
What mortgage options are available in the UK?
Common options include fixed-rate, variable-rate, tracker, and buy-to-let mortgages.
How much deposit do I need for a mortgage?
Most buyers need a minimum deposit of 5–10%, though larger deposits often secure better rates.
How much can I borrow on a mortgage?
Lenders usually offer up to 4–4.5 times your annual income, subject to affordability checks.
What affects mortgage interest rates?
Rates are influenced by the Bank of England base rate, your deposit size, credit history, and loan-to-value ratio.
What is loan-to-value (LTV)?
LTV is the percentage of the property price you borrow compared to your deposit — lower LTV often means better rates.
Can first-time buyers get a mortgage easily?
Yes, many lenders offer first-time buyer mortgages, including low-deposit and government-supported options.