Free UK Property Calculators

Tools to help UK homeowners and first-time buyers understand their finances and make confident decisions.

Available now

Help to Buy Equity Loan Calculator

Calculate your monthly and annual interest payments from year 6 onwards. Project costs for both the 2013–2021 (RPI+1%) and 2021–2023 (CPI+2%) schemes across any number of years. Used by thousands of UK homeowners managing their equity loan.

  • Year-by-year payment projections
  • Supports both RPI and CPI schemes
  • Adjustable inflation assumptions
  • Free, no registration required
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Available now

Stamp Duty Land Tax Calculator

Calculate exactly how much Stamp Duty Land Tax you owe on a UK property purchase. Covers April 2025 thresholds, first-time buyer relief, and the second home surcharge. Instant band-by-band breakdown.

  • April 2025 SDLT thresholds
  • First-time buyer relief (up to £500k)
  • Second home / buy-to-let surcharge (+5%)
  • Full band-by-band breakdown
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Available now

Mortgage Affordability Calculator

Estimate how much you could borrow based on your income and deposit. See three lending scenarios (4×, 4.5×, 5× income), monthly payments, and loan-to-value ratios. Supports joint applications.

  • Conservative, moderate, and generous scenarios
  • Joint mortgage support
  • Monthly repayment estimates
  • LTV ratio for each scenario
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All calculators are free to use and run entirely in your browser. We do not store your inputs or require registration. For guidance on interpreting results, see our guides and articles.

Ready to Calculate Your Help to Buy Repayments?

Our equity loan calculator is free, instant, and needs no sign-up.

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