Run the numbers yourself
Six quick tools for borrowing power, repayments, stamp duty, deposits, remortgage savings and overpayments. All estimates are for illustration only, for figures you can rely on, talk to Debbie.
🧮 How much can I borrow?
Lenders typically offer around 4 to 4.5× income, sometimes up to 5.5×.
💰 Monthly repayments
Capital repayment mortgage, fixed rate assumed for the full term.
🏛 Stamp duty (SDLT)
England & Northern Ireland rates. Scotland (LBTT) and Wales (LTT) differ.
💵 Deposit needed
Most lenders start at 5% deposit; better rates typically unlock at 10%, 15% and 25%.
💲 Remortgage savings
Compare your current rate against a new one over your remaining term.
⏱ Overpayments
What paying a bit extra each month does to your term and total interest.
These calculators give simplified estimates for illustration only and are not advice or a lending decision. Actual borrowing, rates and costs depend on your circumstances and lender criteria. Stamp duty figures use England & NI residential SDLT bands current at June 2026; the 5% additional-property surcharge applies from £40,000. Most lenders allow around 10% in annual overpayments without early repayment charges, check your deal.
Got a question? Ask Debbie
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