---
title: "UK Mortgage Calculators 2026 — Free, Instant & Broker-Backed | First Rung Now"
description: "Free UK mortgage calculators for 2026: affordability, repayment, remortgage, buy-to-let, stamp duty, LTV and overpayments. Instant results plus a free FCA-..."
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First Rung Now

UK Mortgage Guides



](/)

-   Mortgages
-   Remortgages
-   Buy To Let
-   Bad Credit
-   Calculators
-   Guides
-   [Find a Broker](/find-a-mortgage-broker)
-   [About](/about)

[Speak to a Vetted Broker](/find-a-mortgage-broker)

1.  [Home](/)
2.  Calculators 

UK Mortgage Calculators

# Every UK mortgage calculator, in one place

14 categories covering affordability, repayments, remortgages, buy-to-let, stamp duty, overpayments, equity and more — built around real UK lender rules and paired with a free vetted-broker sense-check.

[

## Affordability

Mortgage affordability calculator

How much a UK lender is likely to lend you based on income, commitments and deposit.

Open calculators ](/calculators/affordability)[

## Repayments

Mortgage repayment calculator

Monthly capital & interest payments, total cost and interest across the term.

Open calculators ](/calculators/repayments)[

## Borrowing & LTV

Loan-to-value (LTV) calculator

Work out your LTV band and which rate tier you'll fall into.

Open calculators ](/calculators/borrowing)[

## Remortgage

Remortgage savings calculator

See how much you could save by switching to a new rate.

Open calculators ](/calculators/remortgage)[

## First-Time Buyer

First-time buyer affordability calculator

Deposit, borrowing and SDLT relief for first purchases.

Open calculators ](/calculators/first-time-buyer)[

## Buy-to-Let

Buy-to-let mortgage calculator

Max BTL loan based on rent, stress rate and ICR.

Open calculators ](/calculators/buy-to-let)[

## Equity

Home equity calculator

How much equity you hold and how much you could release.

Open calculators ](/calculators/equity)[

## Costs & Stamp Duty

Stamp Duty calculator

SDLT for England & NI, plus a full cost-of-buying estimate.

Open calculators ](/calculators/costs)[

## Overpayments

Mortgage overpayment calculator

How much interest and time you save with regular or lump-sum overpayments.

Open calculators ](/calculators/overpayments)[

## Comparison

Rent vs buy calculator

Compare the long-run cost of renting vs. buying the same home.

Open calculators ](/calculators/comparison)[

## Specialist Mortgages

Self-employed mortgage calculator

Realistic borrowing for sole traders, ltd company directors and contractors.

Open calculators ](/calculators/specialist)[

## Refinance & Switching

Fixed-rate expiry impact calculator

See what happens to your payment when your fix ends.

Open calculators ](/calculators/refinance)[

## Income

Salary to mortgage calculator

Turn a salary (plus bonus/overtime) into an indicative maximum loan.

Open calculators ](/calculators/income)[

## Investment

Rental yield & BTL ROI calculator

Gross yield, net yield and cash-on-cash ROI for a rental property.

Open calculators ](/calculators/investment)

First Rung Now

Independent UK mortgage education and broker matching. We don't sell mortgages — we help you understand them, then connect you with vetted advisers.

Brokers are FCA-regulated

[hello@firstrungnow.com](mailto:hello@firstrungnow.com)

### Hubs

-   [Mortgages](/mortgages)
-   [Remortgages](/remortgages)
-   [Buy To Let](/buy-to-let)
-   [Bad Credit Mortgages](/bad-credit-mortgages)
-   [All Calculators](/calculators)
-   [All Guides](/mortgage-guides)
-   [Find a Broker](/find-a-mortgage-broker)

### Calculators

-   [Affordability Calculator](/calculators/affordability)
-   [Repayment Calculator](/calculators/repayments)
-   [Loan-to-Value (LTV) Calculator](/calculators/borrowing)
-   [Remortgage Savings Calculator](/calculators/remortgage)
-   [First-Time Buyer Calculator](/calculators/first-time-buyer)
-   [Buy-to-Let Calculator](/calculators/buy-to-let)
-   [Home Equity Calculator](/calculators/equity)
-   [Stamp Duty Calculator](/calculators/costs)
-   [Overpayment Calculator](/calculators/overpayments)
-   [Rent vs Buy Calculator](/calculators/comparison)
-   [Self-Employed Calculator](/calculators/specialist)
-   [Fixed-Rate Expiry Calculator](/calculators/refinance)
-   [Salary to Mortgage Calculator](/calculators/income)
-   [Rental Yield & ROI Calculator](/calculators/investment)

### Bad credit & specialist

-   [Bad Credit Mortgage Checker](/bad-credit-mortgage-checker)
-   [Poor Credit Mortgage Lenders](/poor-credit-mortgage-lenders)
-   [Remortgage with Bad Credit](/remortgage-with-bad-credit)
-   [Bad Credit + Large Deposit](/mortgage-with-bad-credit-but-large-deposit)
-   [Contractor Bad-Credit Mortgages](/mortgages-for-contractors-with-bad-credit)
-   [First-Time Buyer Adverse Credit](/first-time-buyer-adverse-credit-mortgages)
-   [MIP with Bad Credit](/mortgage-in-principle-bad-credit)

### Buy-to-let & bridging

-   [Best HMO Mortgage Lenders](/best-hmo-mortgage-lenders)
-   [Holiday Let Mortgages](/holiday-let-mortgages-best-rates)
-   [Limited Company BTL](/landlord-misconceptions-limited-company-btl)
-   [BTL Houses Sheffield](/buy-to-let-houses-sheffield-mortgage)
-   [BTL Interest-Only Calculator](/buy-to-let-interest-only-calculator)
-   [Bad Credit Bridging Loan](/bad-credit-bridging-loan)
-   [Bridging Loans for Bad Credit](/bridging-loans-for-bad-credit)

### Rates, rules & circumstances

-   [Fixed vs Tracker](/fixed-vs-tracker-mortgage)
-   [Tracker vs Fixed (Rates)](/tracker-vs-fixed-mortgage)
-   [Does MIP Include Deposit?](/mortgage-in-principle-deposit)
-   [House Buying Timeline](/house-buying-timeline)
-   [Two Residential Mortgages](/two-residential-mortgages)
-   [Parent–Child Joint Mortgage](/parent-child-joint-mortgage)
-   [Spouse Visa Mortgages](/mortgage-lenders-for-spouse-visa-uk)
-   [RIO Mortgage Calculator](/retirement-interest-only-mortgage-calculator)
-   [Overpay Mortgage or Pension](/overpay-mortgage-or-pension)

© 2026 First Rung Now. Educational content — not financial advice. Your home may be repossessed if you do not keep up repayments on your mortgage.

[About](/about)· [Privacy](/privacy-policy)· [Terms](/terms)· First Rung Now is not a broker. We connect users with FCA-regulated mortgage advisers.