🧮 Free mortgage & loan calculators

Mortgage & loan calculators

Work out your borrowing, monthly repayments, stamp duty and more — free, private, and no obligation. A useful starting point before we talk through your options properly.

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Plan your numbers before you commit

Buying a home or remortgaging is a big financial step. Before you speak to anyone, it helps to get a feel for the numbers — how much you might borrow, what your monthly payments could look like, and what costs to budget for.

Our calculators give you a quick, private estimate. They won't affect your credit file, and there's no sign-up needed. Just bear in mind that a calculator can only ever be a starting point — it can't see your full credit picture or know which lender's criteria fits your situation. For that, a free chat is worth far more than any calculator.

If you have bad credit, this is especially true. A generic calculator assumes high-street lending. We work with specialist lenders across the whole market, so the real answer for your situation might be very different — usually better than you'd expect.

Our calculators

Choose the calculator that fits what you're working out:

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How much will it cost?

Estimate your monthly mortgage repayments based on the amount you want to borrow, the interest rate, and the term.

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How much can I borrow?

Get an indicative maximum borrowing figure based on your income. A useful first step before house-hunting.

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Stamp duty calculator

Work out the stamp duty land tax due on your purchase, including first-time buyer relief where it applies.

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Interest-only calculator

See what your monthly payments could look like on an interest-only basis compared with repayment.

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Overpayment calculator

See how making overpayments could reduce your mortgage term and the total interest you pay.

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Secured loan calculator

Estimate monthly repayments on a secured loan against your property for a given amount and term.

What our clients say

"We contacted Chris as we really struggled to get a mortgage — both me and my partner had adverse credit and he was self-employed. Chris talked us through our options and kept us up to date every step of the way. We now have the home we wanted." — Nicole and Jack, Google review

"Outstanding, professional and calm. We would have been lost without his service. Methodical and organised. Helped us when no one wanted to." — Google review

Frequently asked questions

Are these mortgage calculators free to use?

Yes — all our calculators are free with no obligation. They give you an indicative starting point. The figures aren't a mortgage offer; actual borrowing and rates depend on your full circumstances and the lender's criteria.

How accurate are mortgage calculators?

Calculators give a useful estimate but can't account for everything a lender assesses — your credit profile, income type, existing commitments, and the specific lender's rules. Treat the results as a guide, not a guarantee. For an accurate picture, speak to a broker.

Can I use these calculators if I have bad credit?

Yes, the calculators work the same way regardless of credit history. However, bad credit affects which lenders will consider you and at what rate, which a generic calculator can't reflect. We can give you a realistic picture during a free chat.

Does using a calculator affect my credit score?

No. Using a calculator on this website has no effect on your credit file. Only a formal application with a lender creates a hard credit search. Calculators are completely private and leave no footprint.

What's the difference between how much I can borrow and how much it will cost?

The borrowing calculator estimates the maximum a lender might lend based on income. The cost calculator estimates your monthly repayments for a given loan amount, rate, and term. Use both together to plan your budget.

What should I do after using a calculator?

Use the figures as a starting point, then have a free chat with us. We'll look at your actual circumstances, check which lenders fit, and give you a realistic picture — especially valuable if you have any adverse credit, as generic calculators assume high-street lending.

Explore our services

Numbers don't add up? Let's talk it through.

A calculator gives you a guide. A free chat gives you the real answer for your situation.

Call Chris on 07359 911 696

Monday to Friday, 9am–7pm · Saturday 10am–2pm

Your home may be repossessed if you do not keep up repayments on your mortgage.

Think carefully before securing other debts against your home. A secured loan or second charge is secured against your property.

Chris Smith Mortgages is an appointed representative of Oak Mortgages Ltd, which is authorised and regulated by the Financial Conduct Authority. FRN 1026569.

Call now — 07359 911 696