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Buying a house: mortgage calculators

Use our mortgage calculators to find out what your monthly repayments will be, how much mortgage you're likely to be able to borrow, and more.

Choose a mortgage calculator

How much can I borrow?

Find out how much mortgage you could borrow to put towards buying a home.

What's your situation?

How many of you are applying?

What is your total annual income before tax?

Please enter the total annual income

Please enter the total annual income


You are likely to be able to borrow around

xx - xx

but this just an estimate. For an accurate idea of how much mortgage you can borrow, plus the best lenders and deals for your circumstances, call Which? Mortgage Advisers on

0808 115 4132

The expert team is 100% independent and our advisers work for salaries rather than commission, only ever recommending the very best deal for you. What's more, your first call is completely free.

What the numbers mean

If you borrowed xx and repaid it over 25 years with 3% interest, you'd pay xx per month.

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Repayments calculator

Thinking about applying for a mortgage? Enter the details below to find out how much you'll repay each month.


Monthly payment:


But be careful, if your interest rate goes up by 3% your monthly payment will be xx

How your payment breaks down

Monthly mortgage payment:


Monthly interest payment:


Total you'll pay over full term:


These figures are just an estimate. For unbiased advice on how much you can borrow and what your monthly repayments would look like based on your personal circumstances, speak to Which? Mortgage Advisers today.

0808 115 4132

Call for a free consultation with one of our independent, expert mortgage advisers.

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Why use a mortgage calculator?

There's no denying that mortgages are complicated. That's why we've developed a range of calculators to help you work out your options.

But bear in mind that mortgage calculators just give a rough guide to get you started. If you'd like personal advice on how mortgages work and the best deals for you, call Which? Mortgage Advisers on

0808 115 4132

for a free consultation with one of our independent experts.

Alternatively, request a free call back.

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