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Free mortgage calculators

Quick tools to help you understand the numbers. All estimates only — for a personalised picture, get your Kivo Score.

🧮 How much could you borrow?

Enter your details to get an indicative borrowing range. This is an estimate based on standard income multiples.

Drag to adjust£35,000
Drag to adjust£0
Estimated borrowing range
£140,000 – £157,500
Based on 4× – 4.5× combined income · This is an estimate only
ℹ️Actual amounts vary based on your debts, credit history, deposit, and the lender. Get your full Kivo Score for a more accurate picture.

More tools

📐
LTV Calculator
See your loan-to-value ratio and understand how it affects your mortgage rate options.
Your LTV
90%
Getting to 85% LTV opens up better rates
💷
Monthly Repayment Estimator
Get a rough idea of your monthly repayments based on loan size and interest rate.
Estimated monthly repayment
~£1,013
25-year repayment mortgage
💰
Stamp Duty Calculator
Work out how much stamp duty (SDLT) you'll pay as a first-time buyer or home mover.
Stamp duty owed
£5,000
First-time buyer relief applied
⚠️Remember: These calculators provide rough estimates only. Your actual mortgage offer will depend on a full lender assessment. Always consult a qualified, FCA-regulated mortgage adviser before making financial decisions.

Tools are useful. Your actual score is better.

Get a personalised assessment that goes way beyond these calculators.