Mortgage Calculators
Explore the numbers behind your mortgage.
Use our calculators to explore repayments, borrowing and property purchase costs before discussing your circumstances with an adviser.
Calculator results are illustrations only and should not be treated as a mortgage offer or recommendation.
Choose a calculator
A clearer starting point.
These tools are designed to help you understand the figures involved before lender criteria, affordability and individual circumstances are assessed in detail.
01
Monthly repaymentsMortgage Repayment Calculator
Estimate monthly repayments, total interest and the overall cost of a mortgage based on loan amount, rate and term.
02
Purchase costsStamp Duty Calculator
Estimate Stamp Duty Land Tax for a residential property purchase in England or Northern Ireland.
03
Indicative borrowingBorrowing Estimate
Explore a broad indicative borrowing range based on income before speaking with an adviser about lender-specific affordability.
04
LTVLoan-to-Value Calculator
Calculate your mortgage loan-to-value based on property value, deposit or mortgage amount.
05
Property investmentBuy-to-Let Calculator
Explore rental income coverage and basic buy-to-let figures before a more detailed lender assessment.
Before you apply
Useful estimates, not lending decisions.
Mortgage calculations can help frame a conversation, but lender assessment goes considerably further than a simple formula.
Income
How your income is assessed
Salary, bonuses, self-employed income, rental income and overseas income can all be treated differently by lenders.
Commitments
Existing financial commitments
Loans, credit commitments, dependants and regular expenditure may all affect affordability.
Property
The property itself matters
Property type, value, location, tenure and intended use can influence which lenders may consider an application.
Criteria
Every lender is different
Affordability models and lending criteria vary, which is why an indicative calculation is only a starting point.
Beyond the calculator
The figures are only part of the mortgage.
An Intra adviser can assess your circumstances against lender criteria and discuss the mortgage options that may be available to you.
The results produced by these calculators are for general information and illustration only. They do not constitute personal financial advice, a mortgage recommendation or an offer of lending. Mortgage availability and suitability depend on individual circumstances and lender criteria.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or other loan secured upon it.
Speak with Intra
Ready to look beyond the estimate?
Speak with an adviser about your income, deposit, property and borrowing requirements.