calculator
Mortgage Calculator Updated - Overpayments
The mortgage calculator now allows you to add an annual overpayment amount to show how much could be saved over the term and how the term is reduced.
Mortgage
Affordability
Mortgage Affordability Calculator
I have created a simple mortgage affordability calculator. It's to give a view from someone who understands affordability, but it's not a guarantee that a mortgage will be given.
Approvals
UK mortgage approvals and high-end demand: where things stand - August 2025
UK mortgage approvals dipped in August 2025, with remortgaging weaker and high-value demand cooling as buyers await clarity from the November Budget.
calculator
New Mortgage Calculator: See What Your Mortgage Really Costs
Use our free Mortgage Calculator to quickly estimate monthly repayments or interest-only costs. Adjust amount, term, and rate to see total payments, balance charts, and stress test scenarios.
Approvals
Source: Mortgage Approvals
Mortgage Approval data used on this site is provided by the Bank of England. It is not available in a single source and has to be built from codes.
Mortgage
Pay mortgage or top up pension?
A question recently received poses an interesting quandary about whether to use bonus payments to reduce a mortgage or top up a pension.
Mortgage
Is buying a home worth it?
A question from a young man in Inverness contemplating one of the biggest decisions he will face. Should he buy a house? Will he be able to afford it with all the rising costs and so on? These are good questions to be asked and always best asked before actually going ahead.
Mortgage
Is a 40-year mortgage too long?
Being able to evidence affordability for a mortgage these days is more difficult than ever. The solution to getting what you want may lie in a long term but how long is too long for a mortgage? 40 years?