Calculators
What will it cost, and how much can I borrow?
Two calculators, both working from our example rates. They give you a fair idea in a minute; a free call gives you a real answer.
Your monthly payment
£1,186
- Total interest
- £187,062
- Total repaid
- £427,062
A rate 0.5% lower would save you £69 a month, £24,966 over the term. That is what a broker is for.
Book a free callExample rates as of 1 September 2026, for illustration only. Your rate depends on your circumstances and the lender.
Loans, car finance, card minimums, childcare.
Lenders might offer between
£280,000 – £315,000
- Homes up to about
- £350,000
- Income lenders assess
- £70,000
An illustration, not a lending decision. It uses 4 to 4.5 times income after commitments. Some lenders go higher; on a free call we tell you where you are likely to land.
Book a free callThe example rates behind the numbers
Updated 1 September 2026. They are illustrations of the market, not offers, and your own rate depends on your deposit, income and credit history.
| Product | Example rate |
|---|---|
| 2-year fix75% loan-to-value, £999 product fee | 4.29% |
| 5-year fix75% loan-to-value, £999 product fee | 4.09% |
| 2-year trackerBase rate + 0.54%, no early repayment charge | 4.54% |
| Buy-to-let 5-year fix75% loan-to-value, 3% product fee | 4.79% |
| Typical standard variable rateWhat most loans revert to when a deal ends | 7.49% |
Why the half-point line matters
On a £240,000 loan, half a percent is worth thousands over a term. That gap is roughly what separates the rate a bank offers its own customers and the best of the market on a typical case.
If your deal ends and you do nothing
The same loan on a 4.09% fix costs about £1,158 a month. On a 7.49% variable rate it is about £1,676. Book your next deal six months early.
What the borrowing figure leaves out
Credit history, regular spending, the property itself and the lender's own stress test. Some lenders go well above 4.5 times income for certain jobs. We will tell you which.
[Risk warning — your home may be repossessed if you do not keep up repayments on your mortgage. Use the exact wording required by your regulator.]