Property / Planning Hub

UK Mortgage Calculators

Plan borrowing, repayments and property transaction costs with transparent UK mortgage tools built around rates, deposits, loan-to-value and long-term interest.

Open Mortgage CalculatorView all property tools
FocusRepayments & costs
PrivacyRuns in your browser
Scenario-ledCompare rates, deposits and repayment assumptions.
Transparent mathsStandard amortisation and LTV are explained.
UK property taxSeparate tools for England, Scotland and Wales.
Educational onlyNot a lending decision or mortgage offer.

Mortgage planning

Repayments, borrowing and overpayments

Research tool

Mortgage Calculator

Model monthly repayments, total interest, loan-to-value and rate or deposit sensitivity.

Open tool →Planning tool

How Much Can I Borrow?

Estimate borrowing capacity from income, deposit and existing debts as an educational starting point.

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Mortgage Overpayment Calculator

Estimate how overpayments can affect interest cost and the time needed to repay a mortgage.

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Property transaction costs

Residential purchase taxes across the UK

Calculator

Stamp Duty Calculator

Estimate SDLT for England and Northern Ireland using the current supported rules and reliefs.

Open tool →Calculator

Scotland LBTT Calculator

Estimate Land and Buildings Transaction Tax for Scottish residential property purchases.

Open tool →Calculator

Wales LTT Calculator

Estimate Land Transaction Tax for Welsh residential property purchases.

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Property insights

Research notes for common mortgage decisions

Insight

How much will my mortgage cost?

Understand repayment and interest-only structures, rate effects and monthly payments.

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How much do overpayments save?

See how overpaying can reduce interest and shorten the term, plus the trade-offs to consider.

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Fixed or variable mortgage?

Compare certainty, flexibility and rate risk across fixed, tracker and variable-rate borrowing.

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Important: Actual mortgage affordability depends on lender criteria, income verification, expenditure, credit history and other circumstances. Casvia provides educational planning estimates, not mortgage advice or lending decisions.