UK mortgage tools · No obligation
Smarter UK Mortgage Quotes — See Your Numbers First
Use our calculators to estimate repayments, borrowing and remortgage figures. When you’re ready, request a callback from a UK mortgage adviser — no obligation.
Numbers up front · Real UK advisers · No multi-sell of leads · Free to use
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage Repayment Calculator
Estimate your monthly mortgage repayment.
Estimate only. Excludes lender fees, broker fees, valuation, insurance, and rate changes.
Request a Broker CallbackWhole-of-market broker partners — access to 90+ UK lenders, including
Start with the calculator that matches your situation
All calculators →Mortgage Repayment Calculator
Estimate monthly payments from loan amount, deposit, rate and term.
Calculate repayments →How Much Can I Borrow?
Rough borrowing estimate based on income, employment and deposit.
Estimate borrowing →Remortgage Calculator
Compare your current payment with an estimated new rate.
Check remortgage options →Buy-to-Let Yield Calculator
Estimate gross and net rental yield and basic cash flow.
Calculate rental yield →Mortgage Overpayment Calculator
See how overpayments could shorten your term and save interest.
Estimate overpayment savings →Self-Employed Mortgage Calculator
Borrowing estimate for sole traders, contractors and Ltd directors.
Speak to a broker →Stamp Duty Calculator
Estimate SDLT for England & NI — first-time buyer relief and 3% surcharge included.
Calculate Stamp Duty →Mortgage guides by borrower type
Mortgage options can depend on your income, deposit, credit history, property type, and whether you are buying, remortgaging, or investing.
First-Time Buyer Mortgages
Deposit, affordability, schemes and documents explained.
Remortgage
When your fixed deal ends, how to compare, and what to consider.
Self-Employed Mortgages
Sole trader, contractor and Ltd director income assessments.
Buy-to-Let Mortgages
Landlord lending criteria, rental cover, and SPV options.
Bad Credit Mortgage Options
Defaults, CCJs, IVAs and how specialist lenders assess applications.
Contractor Mortgages
Day-rate income, gross annualised contracts, and lender approach.
Ltd Company Director Mortgages
Salary + dividends, retained profit, and how lenders interpret income.
Over-50s Mortgages
Lending into retirement, RIO and later-life mortgage options.
Joint Borrower Sole Proprietor
Parents or family can boost your borrowing without going on the deeds.
Shared Ownership Mortgages
Buy 25–75% of a property, pay rent on the rest, staircase over time.
Help to Buy & Government Schemes
What's still available in 2025: LISA, Shared Ownership, First Homes, Mortgage Guarantee.
How Smarter Mortgage Quotes works
A clear, calm path from your first question to a conversation with a mortgage adviser.
Start with an estimate so you understand the numbers before submitting details.
Learn what lenders may look at for your situation.
Complete a short enquiry if you want to speak with a mortgage adviser or broker partner.
A broker or adviser partner may contact you to explain what could be available based on your circumstances.
Built to be clear before it is commercial
We give you a useful estimate first. No form walls before you see anything.
No “guaranteed approval” wording. Mortgages depend on lender criteria and your circumstances.
If you ask for a callback, your details may be shared with a mortgage adviser or broker partner. We say so up-front.
We don’t fabricate live lender rates. Real rates come from a regulated adviser quote.
No jargon-stuffed pages. Just what you need to make a good next step.
GBP, UK lender practice, UK affordability rules — not blended global content.
Frequently asked questions
Can I get a mortgage quote online? +
Are calculator results guaranteed? +
Do you provide mortgage advice? +
Is the enquiry free? +
Are you a lender? +
How long does a mortgage application take? +
Will using the calculator affect my credit score? +
Can I speak to a UK-based adviser? +
Ready to talk to a mortgage adviser?
Tell us a little about your situation and a mortgage adviser or broker partner will be in touch. No obligation.
Request a callbackYour home may be repossessed if you do not keep up repayments on your mortgage.