Mortgage & Stamp Duty Calculator
Free UK calculators for England & Northern Ireland. Everything runs in your browser — nothing is sent anywhere, no sign-up.
| Amount borrowed | — |
| Deposit as % of price (LTV) | — |
| Total interest over the term | — |
| Total amount repaid | — |
Repayment mortgage, same rate for the whole term. Real mortgages vary — your lender’s rate, fees and term will change the figure. This is an estimate only, not financial advice.
| Effective rate on the full price | — |
First-time buyer relief is not available above £500,000, so standard rates have been applied to the whole price.
SDLT rates in force since 1 April 2025, England & Northern Ireland only (Scotland uses LBTT, Wales uses LTT). Standard bands: 0% to £125,000, 2% to £250,000, 5% to £925,000, 10% to £1.5m, 12% above — charged on each slice of the price, not the whole price. First-time buyer relief: 0% to £300,000, 5% to £500,000, no relief above £500,000. Additional properties add 5% to every band. Always confirm your final figure with your conveyancer.
Buying a home in the UK comes with two big numbers most people want to know early: what will the mortgage cost each month, and how much Stamp Duty will be due on completion. This free calculator gives you both in seconds.
How the mortgage calculator works
Enter the house price, your deposit, the interest rate and the term in years. The calculator assumes a repayment mortgage at a fixed rate for the whole term, which is the standard way to compare offers. Your actual payment will depend on your lender, product fees and any rate changes after a fixed period ends.
How the Stamp Duty calculator works
Stamp Duty Land Tax (SDLT) in England and Northern Ireland is charged in bands, like income tax — you pay each rate only on the slice of the price inside that band. The rates used here have been in force since 1 April 2025: 0% up to £125,000, 2% to £250,000, 5% to £925,000, 10% to £1.5 million and 12% above that. First-time buyers pay nothing on the first £300,000 on homes up to £500,000. Buying an additional property adds 5% to every band. Scotland (LBTT) and Wales (LTT) use different taxes and are not covered here.
Frequently asked questions
Is this calculator free?
Yes. There is no sign-up and no data is sent anywhere — the calculation happens in your own browser.
How much deposit do I need?
Most UK lenders want at least 5–10% of the price, and a larger deposit usually means a lower interest rate. A £30,000 deposit on a £300,000 home is 10%, which is a 90% LTV mortgage.
Do first-time buyers pay Stamp Duty?
Not on the first £300,000, as long as the home costs £500,000 or less and everyone buying is a first-time buyer. Above £500,000 the relief is lost and standard rates apply to the whole price.
Is this financial advice?
No. This is an estimate to help you plan. Confirm your mortgage figures with your lender or broker and your Stamp Duty with your conveyancer before you commit.
