Mortgage Calculators
Our range of mortgage calculators can give you an indication of options at every stage of your mortgage journey, whether that's calculating how much you could borrow, working out changes to the cost of your mortgage, or getting an idea of rental yield from a let property.
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Online Mortgage Calculators for UK Properties
Unlock the possibilities with our intuitive mortgage calculators! Designed to give you a clear indication of how much you might be able to borrow, these tools are your first step towards understanding the range of mortgage options available to you. Whether you're a first time buyer, dreaming of a new home, or considering refinancing, our calculators make it easy to get a quick snapshot of your borrowing potential.
Already have a mortgage? Dive into our mortgage cost calculators to discover how changes in terms, rates, or additional payments could affect your monthly repayments. It's a fantastic way to see potential savings or adjust your budgeting strategy with precision.
And if you're looking for a more personalised touch, we offer a complimentary consultation. Speak with one of our expert consultants to explore your options in detail. They're here to guide you through the complexities of mortgages, tailored specifically to your needs. Don't navigate this journey alone let us help you make informed, confident decisions about your financial future.
Our Mortgage Calculators
You'll find John Charcol's mortgage calculators on this page, divided by buyer type.
RESIDENTIAL MORTGAGE CALCULATORS
How Much Can I Borrow on a Mortgage?
Are you a first time buyer or home mover looking to get started? Then it's time to figure out how much you could potentially borrow on a mortgage! See our mortgage calculator: How Much Can I Borrow? for estimate of the amount you could borrow on a mortgage based on your income.
You can also see below for other residential mortgage calculators.
Compare Mortgage Rates
Looking for a mortgage rate calculator? On this page you can enter your unique requirements and compare tailored mortgage deals from across the market with our quick and free best buys tool.
Mortgage Repayment Calculator
Our mortgage repayment calculator works out how much you'll pay in monthly mortgage repayments based on the interest rate, borrowing amount and mortgage term.
Loan to Value Calculator
Here you’ll find our LTV calculator that you can use to work out the loan to value on your mortgage. You’ll also discover information on how your LTV impacts your mortgage repayments.
Mortgage Deposit Calculator
Work out how much you need to save each month to meet your goal and afford a mortgage with our mortgage deposit calculator. You’ll also find info on how deposits work and amounts needed.
Stamp Duty Calculator
Here you can use our Stamp Duty calculator to work out how much Stamp Duty Land Tax you’ll pay when purchasing a new property.
FTB Stamp Duty Calculator
Here you can use our first time buyer Stamp Duty calculator to work out how much Stamp Duty you'll pay as a first time buyer when purchasing a new property.
Right to Buy Calculator
Here you’ll find our Right to Buy calculator that will estimate the discount you could receive under the Government’s Right to Buy scheme when buying your council house or flat.
Affordability Calculator
Looking for a more tailored estimate of how much you can afford to borrow on a mortgage and what deals are available to you? See our mortgage affordability calculator.
BUY TO LET MORTGAGE CALCULATORS
Buy to Let Mortgage Calculator
Want to know how much you could borrow on a buy to let mortgage? Find out with our free and easy calculator below. Here you’ll also find information on stress test rates and the proposed monthly rent required.
You can also see our other buy to let mortgage calculators below to calculate rental yield, buy to let Stamp Duty and more.
Buy to Let Rent Calculator
Not sure how much you need in rental income for a mortgage? Use our free buy to let rent calculator to work out how much you need in rent to qualify for a buy to let mortgage.
Rental Yield Calculator
Here you can use our rental yield calculator to work out the rental yield on a buy to let property. You’ll also find information on what a rental yield is and why it’s important.
BTL Stamp Duty Calculator
Find out how much Stamp Duty you’ll pay on your property with our free and easy Stamp Duty calculator for buy to let properties and second homes.
Capital Gains Tax Calculator
Here is our free and easy Capital Gains Tax Calculator that can help you work out how much CGT you’ll pay when selling a buy to let property or second home.
REMORTGAGE CALCULATORS
Remortgage Calculator
Want to know how much you could save by remortgaging? Try our remortgage calculator which helps you work out how much you could potentially save each month and year if you remortgaged onto a new rate.
You can also see our other remortgage calculators for things like home extensions and mortgage comparisons, below.
Mortgage Comparison Calculator
Find out how much you could save by changing your mortgage rate here with our free and easy mortgage comparison calculator.
House Extension Calculator
Thinking of adding an extension to your property? Here you can try our extension value calculator which will show you how much value an extension could add to your home.
Mortgage Overpayment Calculator
On this page is our quick mortgage overpayment calculator, which will show you how making extra payment can shorten your mortgage term and save you money.
Compare Remortgage Rates
Looking for a remortgage rates calculator? See our best buys to compare remortgage rates and deals tailored to your preferences and criteria.
SPECIALIST MORTGAGE CALCULATORS
Specialist Mortgage Calculators
Have slighly more complex requirements? Not sure what this means for your mortgage?
See our specialist mortgage calculators below to work out your maximum borrowing in different situations.
Second Charge Mortgage Calculator
Use our second charge mortgage calculator to work out how much you could borrow on a second charge mortgage.
Contractor & Self-Employed Calculator
Self-employed or a contractor? Try our free and easy-to-use contractor and self-employed mortgage calculator below to see how much you could borrow for your mortgage.
Expat Mortgage Calculator
Here, you can use our expat mortgage calculator to work out how much you could borrow. Simply enter your employment status and income information to find out.
Interest Only Calculator
Work out how much your monthly interest payments will be on an interest only mortgage, based on how much you want to borrow and the rate of the mortgage product you're considering.
Securing a mortgage is one of the biggest financial commitments you will ever make, and it is important to find the right option to suit you. Our calculators can be used to give you an indication of the options available to you, but every mortgage application and situation is unique.
Not found the calculator you want? Suggest a mortgage calculator to us.