# Mortgage and stamp duty calculators UK | ComputeNow

URL: https://computenow.co.uk/property/

> Free UK property calculators: mortgage repayments, how much you can borrow, stamp duty, LBTT and LTT, overpayments, remortgaging and rent vs buy.

This calculator shows a worked example below. To use your own figures, add them to the URL as query parameters (listed in https://computenow.co.uk/llms.txt), for example https://computenow.co.uk/property/?<parameter>=<value>.

# Property calculators

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

- [Stamp duty calculator Tax when you buy a home](https://computenow.co.uk/stamp-duty-calculator/)
- [Mortgage calculator Monthly repayments and total interest](https://computenow.co.uk/mortgage-calculator/)
- [Mortgage affordability calculator How much you could borrow](https://computenow.co.uk/mortgage-affordability-calculator/)
- [Mortgage overpayment calculator Pay off your mortgage sooner](https://computenow.co.uk/mortgage-overpayment-calculator/)
- [Remortgage calculator Is switching deal worth it?](https://computenow.co.uk/remortgage-calculator/)
- [Rent vs buy calculator Which costs less over time](https://computenow.co.uk/rent-vs-buy-calculator/)

## 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

- [Stamp duty in 2026 across the UK](https://computenow.co.uk/guides/stamp-duty-uk-2026/)
- [How much does it cost to buy a home?](https://computenow.co.uk/guides/cost-of-buying-a-home/)

## Guides and help

### Our guides

[How much does it cost to buy a home? Deposit, stamp duty, mortgage and the income you need](https://computenow.co.uk/guides/cost-of-buying-a-home/)[Stamp duty in 2026 across the UK SDLT, LBTT and LTT bands, first-time buyers and second homes](https://computenow.co.uk/guides/stamp-duty-uk-2026/)[UK interest rates and inflation today Average mortgage, savings, loan and card rates](https://computenow.co.uk/guides/uk-interest-rates-and-inflation/)

### Official services and free advice

[Stamp Duty Land Tax GOV.UK: reliefs, deadlines and paying](https://www.gov.uk/stamp-duty-land-tax)[Lifetime ISA GOV.UK: a government bonus for a first home or later life](https://www.gov.uk/lifetime-isa)[Private renting GOV.UK: deposits, repairs and your rights](https://www.gov.uk/private-renting)
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.