Our UK mortgage calculators help you plan overpayments, remortgaging, buy to let, offset, shared ownership, lifetime and self-build mortgages, with clear monthly figures for UK homeowners and landlords.
Every calculator on Poundsum is free, works on your phone, and runs in your browser, so the numbers you type are never sent to us. Each one explains how the result is worked out and links to the official GOV.UK source.
All mortgage calculators
- GuideHow Much Can I Borrow for a Mortgage?How lenders work out what you can borrow, with income multiple examples.
- CalculatorMortgage Overpayment Calculator UKSee how much interest and time you save by overpaying monthly or with a lump sum.
- CalculatorRemortgage Calculator UKCompare your current mortgage with a new deal, including fees and break-even time.
- CalculatorBuy to Let Mortgage Calculator UKCheck how much you could borrow for a rental property based on rent, rental cover and stress rate.
- CalculatorInterest Only Mortgage Calculator UKCompare interest-only and repayment mortgage payments, total interest and what you still owe.
- CalculatorMortgage Interest Calculator UKSee how much interest your mortgage costs each month, each year and over the full term.
- CalculatorCommercial Mortgage Calculator UKMonthly payments on a commercial or business property mortgage.
- CalculatorLifetime Mortgage CalculatorHow much equity you could release and how the loan grows.
- CalculatorShared Ownership Mortgage CalculatorMonthly mortgage, rent and service charge for a shared ownership home.
- CalculatorOffset Mortgage CalculatorInterest and time saved by offsetting savings against your mortgage.
- CalculatorMortgage Balance CalculatorHow much you still owe after a number of years of payments.
- CalculatorMortgage Deposit CalculatorThe deposit you need, your loan to value and how long it takes to save.
- CalculatorSelf Employed Mortgage CalculatorHow much you could borrow as a sole trader or company director.
- CalculatorBad Credit Mortgage CalculatorWhat a higher rate for bad credit costs you each month.
- CalculatorSelf Build Mortgage CalculatorHow much you can borrow for a self build, interest during the build and payments after.
- CalculatorMoving House Mortgage CalculatorEquity, deposit, stamp duty and new mortgage when you move home.
- CalculatorGuarantor Mortgage CalculatorHow much more you could borrow with a guarantor.
How we keep the figures right
UK rates change every April, and sometimes in between. We check every figure against GOV.UK and HMRC when the new tax year starts and whenever the government announces a change. Each calculator page shows the date it was last checked.
Our results are estimates to help you plan. For decisions about your own money, check with the organisation involved or a qualified adviser. Read our disclaimer for more.