Run the numbers.
Quick, no-obligation estimates for your mortgage and your protection needs. When you’re ready, we’ll turn any estimate into real, tailored advice.
Mortgage calculators.
Mortgage repayment calculator
See what your monthly payments could look like based on the amount, rate and term.
Affordability calculator
A rough guide to how much lenders may let you borrow, based on income. Real figures depend on your full circumstances.
Stamp Duty (SDLT) calculator
Estimated Stamp Duty Land Tax for England & Northern Ireland.
England & Northern Ireland only. Scotland (LBTT) and Wales (LTT) use different rates.
Overpayment calculator
See how a regular monthly overpayment could cut your interest and shorten your term.
Check your lender’s annual overpayment limit (often 10%) before overpaying.
Buy-to-let calculator
Estimate rental yield and the maximum a lender may advance based on rental cover (ICR stress test).
ICR and stress rates vary by lender and tax status; 145% at 5.5% is a common default.
Remortgage saving calculator
Compare your current deal with a new rate to see what you could save.
Rate rise / payment shock calculator
See how your monthly payment would change if your rate went up when your deal ends.
Protection calculators.
Life cover calculator
A guide to how much life cover could clear your debts and support your family.
Critical illness calculator
A guide to a critical-illness lump sum to cover debts and time off work while you recover.
Income protection calculator
Work out the monthly benefit you’d need to cover essential outgoings if you couldn’t work.
Maximum IP benefit calculator
Insurers cap income protection at a proportion of your gross salary. This estimates the likely maximum.
Most insurers allow around 60% of gross income (roughly 50–65%); exact limits vary.
Family income benefit calculator
Instead of a lump sum, family income benefit pays a regular income to your family for a set term.
Protection gap calculator
Compare what your family would need against the cover you already have, to reveal any shortfall.
These calculators provide illustrative estimates only. They are not a mortgage offer, an insurance quote, a recommendation, or financial advice. The rates and assumptions used — including Stamp Duty (SDLT) rates, lending income multiples, buy-to-let stress rates, income protection limits and overpayment allowances — are current as of August 2026 and may change. Protection figures are general guides; actual cover, premiums, benefit limits and lender/insurer criteria depend on a full assessment. Your home may be repossessed if you do not keep up repayments on your mortgage.
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