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Property calculators

Work out mortgage payments, how much you could borrow, stamp duty and whether buying beats renting.

About these calculators

Buying a home brings three big numbers: what you can borrow, what the mortgage costs each month, and the tax and fees on the day you buy. These calculators work each one out from the current rules, so you can see the whole cost before you make an offer.

In England and Northern Ireland, stamp duty starts above £125,000; first-time buyers pay nothing on the first £300,000 of a home costing up to £500,000, and a second home adds 5% to every band. Scotland and Wales have their own taxes, which the stamp duty calculator covers too.

For borrowing, the Bank of England's average 2-year fixed rate at 75% loan-to-value was 5.13% in September 2026, with Bank Rate at 3.75%. Use those as a starting point in the mortgage and remortgage calculators, then put in the rate you are actually offered. Already own? The overpayment and remortgage calculators show what paying more, or switching deal, saves you.

Guides

Guides and help

Our guides

How much does it cost to buy a home?Deposit, stamp duty, mortgage and the income you needStamp duty in 2026 across the UKSDLT, LBTT and LTT bands, first-time buyers and second homesUK interest rates and inflation todayAverage mortgage, savings, loan and card rates

Official services and free advice

Stamp Duty Land TaxGOV.UK: reliefs, deadlines and payingLifetime ISAGOV.UK: a government bonus for a first home or later lifePrivate rentingGOV.UK: deposits, repairs and your rights

These results are an estimate, not financial advice. They use the 2026/27 rates in force on 24 October 2026 and the inputs shown, so your actual tax, pay or costs may differ. Before making a decision about your money, check the figures with HMRC or your provider, or speak to a regulated financial adviser. Free, impartial guidance is available from MoneyHelper.

This page explains the rules using the 2026/27 rates in force on 24 October 2026. It is general information, not financial advice. For decisions about your own money, speak to a regulated financial adviser, or get free, impartial guidance from MoneyHelper.