Specialist mortgage calculators
Self-employed, contractor, CIS, adverse credit, HMO, holiday let, bridging, offset, expat, retirement — every specialist scenario has its own lender pool and criteria.
Self-employed mortgage calculator
Enter your figures, then add your name and phone to reveal the result. Free, no credit check.
More specialist mortgages calculators
Contractor mortgage calculator
Day-rate × 5 × 46 weeks = notional income. Specialist lenders lend against this, not tax returns.
CIS mortgage calculator
Construction Industry Scheme workers — gross income before CIS deduction is often useable.
Adverse credit mortgage calculator
Higher rate tiers and specialist lenders for defaults, CCJs, DMPs, IVAs.
Interest-only eligibility calculator
Minimum income (typically £75k–£100k) and repayment vehicle criteria.
Holiday let mortgage calculator
Uses AST rental comparable (not holiday income) for ICR stress testing.
HMO mortgage calculator
165%+ ICR and specialist lender pool. Article 4 area constraints.
Commercial mortgage calculator
Debt Service Coverage Ratio (DSCR) 1.25×–1.5× based on the business.
Bridging loan calculator
0.55–0.85%/month, arrangement fee + exit fee + interest (rolled or retained).
Offset mortgage calculator
Savings offset against balance — no interest earned but no tax on saved interest.
Guarantor mortgage calculator
Family income supports the affordability calculation; charge over guarantor's property.
Right to Buy mortgage calculator
Council tenant discount counted as deposit for 100% LTV in many cases.
New build mortgage calculator
Deposit unlock schemes, developer contributions and 10% deposit norms.
Expat mortgage calculator
UK property mortgages for non-resident borrowers earning in EUR, USD, AED.
Retirement / later life mortgage calculator
RIO, standard capital & interest into retirement, lifetime mortgages.
Every scenario above depends on lender-specific criteria (income multiples, ICR, stress rates, credit profile). A vetted FCA-regulated broker will run the exact numbers for your situation in one working day.
Frequently asked questions
How many years of accounts do UK self-employed borrowers need?
Two years is standard; some lenders now accept one year for sole traders and Ltd companies with strong current-year performance and a specialist broker to place you.
Can UK contractors get mortgages on day rate?
Yes — a specialist broker will place you with lenders that annualise day rate × 5 days × 46–48 weeks, ignoring net profit shown on tax returns.
Which UK lenders use retained profit for Ltd company directors?
Kensington, Clydesdale, Kent Reliance and a handful of others use salary + retained profit (rather than salary + dividends), which usually boosts borrowing significantly.
Can I get a UK mortgage with bad credit?
Yes — specialist lenders (Pepper, Vida, Precise, Kensington, Bluestone) price for defaults, CCJs, DMPs and even discharged IVAs. Rates are higher but achievable with the right adviser.
Can I get a UK mortgage on a spouse or family visa?
Yes — several UK lenders accept spouse visa (FLR-M), skilled worker and ILR applicants with 2+ years remaining. Some require a UK-national co-applicant; some don't.
Can UK expats or non-residents get a mortgage in the UK?
Yes, through expat and international divisions of HSBC, Barclays, Skipton International, Marsden BS and specialists. Deposit is usually 25–35% and income proof requirements are stricter.
Are there UK mortgages for people over 65 or 70?
Yes — RIO (retirement interest-only), later-life lifetime mortgages, and standard mortgages with max term to age 75–85 depending on lender. A retirement mortgage specialist is essential.