UK Mortgage & Stamp Duty Calculator
Accurate results using up-to-date 2026 UK-wide rates.
Mortgage
Stamp Duty
Affordability
Total Cost
Savings Goal
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Repayment
Interest-only
Loan amount: £240,000 · Assumes a fixed rate for the full term. Most UK lenders cap penalty-free overpayments at 10% of your balance per year — check your mortgage offer before overpaying. This is an estimate, not a mortgage offer.
England / NI
Scotland
Wales
First-time buyer
Home mover
Additional property
Rates shown are for standard UK-resident individual purchases, current as of 2026 (England & NI: SDLT · Scotland: LBTT · Wales: LTT). Wales has no first-time buyer relief. Non-UK residents pay a further 2% surcharge in England & NI, and companies buying residential property may pay different rates — these aren't included here. Always confirm your exact liability with a solicitor or gov.uk.
Most UK lenders cap borrowing at 4–5× income, subject to affordability checks on debts and outgoings. This is a rule-of-thumb guide, not a lending decision.
England / NI
Scotland
Wales
First-time buyer
Home mover
Additional property
Covers the cash you need on top of your deposit and mortgage. Excludes optional extras (e.g. searches, indemnity insurance, storage). Figures are typical UK ranges — get exact quotes from your solicitor and removal firm.
Assumes interest compounds monthly on your growing balance. This is a planning estimate — actual savings account rates and terms vary.
Scenario A
Scenario B
Compare two rates, deals or terms side by side — e.g. a 2-year fix vs a 5-year fix, or two lenders' offers.
Monthly payment
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