Mortgage Calculators
Buying a home, remortgaging, or investing in a buy-to-let property all start with the same question: what can I actually afford?
Our free mortgage calculators give you a clear, no-obligation estimate in minutes, so you can plan with confidence before you ever speak to a lender. Whether you’re working out your monthly repayments, checking how much you could borrow, or budgeting for stamp duty, every calculator below is maintained by our FCA-regulated mortgage advisors and reflects current UK lending criteria.
Use them on their own to explore your options, or as a starting point for a free consultation with one of our expert mortgage advisors.
Why Use Our Mortgage Calculator ?
Getting a rough idea of your numbers before you apply saves time, avoids disappointment, and puts you in a stronger position when you’re ready to make an offer. Our calculators are:
Free and instant :
no sign-up, no obligation, no impact on your credit score
Built around real UK lending rules :
not generic international formulas
A starting point, not a substitute for advice :
every result can be refined with a full affordability assessment from one of our advisors
Backed by whole-of-market experience :
we compare rates and criteria from 170+ lenders every day, so our calculators are grounded in what lenders actually look for
Free Mortgage Calculators
Mortgage Repayment Calculator
If you already have a mortgage amount, interest rate, and term in mind, our Mortgage Repayment Calculator shows you exactly what to expect each month. Enter your figures to see your estimated monthly repayment, the total interest you’d pay over the life of the mortgage, and the total amount repayable for both capital & interest and interest-only mortgages.
This is the calculator most people use once they’ve found a property or agreed a purchase price, and want to understand what their new monthly outgoings will actually look like.
Affordability Calculator
Before you start house-hunting, it helps to know your ceiling. Our Affordability Calculator estimates how much you could realistically borrow based on your income, existing financial commitments, and deposit giving you a sensible budget to search within.
Lenders each apply their own affordability rules, so this figure is an estimate rather than a guarantee. But it’s a strong starting point for first-time buyers and home movers who want to search for property with a realistic budget in mind, rather than guessing.
Buy-to-Let Affordability Calculator
Buy-to-let mortgages are assessed differently to residential ones. Rather than looking primarily at your personal salary, most lenders base buy-to-let borrowing on the property’s expected rental income and its rental cover ratio.
Our Buy-to-Let Affordability Calculator reflects this, giving landlords and property investors a realistic estimate of what they could borrow against a property’s rental yield whether you’re buying your first investment property or expanding an existing portfolio.
Stamp Duty Calculator
Stamp Duty Land Tax (SDLT) is one of the biggest upfront costs of buying property in England and Northern Ireland, and it’s calculated in bands based on purchase price with different rates depending on whether you’re a first-time buyer, home mover, buying an additional property, or a non-UK resident.
Our Stamp Duty Calculator applies current HMRC bands automatically based on your buyer type, so you can budget accurately for completion day rather than being caught out by an unexpected tax bill.
How Masari Finance Helps
A calculator gives you an estimate. An advisor turns that estimate into an actual mortgage offer.
Once you have a rough sense of your numbers, our FCA-regulated mortgage advisors can carry out a full affordability assessment, compare deals from our panel of 170+ lenders, and recommend the mortgage that best fits your circumstances and goals whether that’s a first home, a remortgage, a buy-to-let investment, or a bridging loan.
We handle the paperwork, the lender communication, and the process from application through to completion, so the numbers you see on this page can become a mortgage you actually hold.
Get a Free Mortgage Quote in London with Masari Finance
F.A.Q.
Frequently Asked Questions
Which mortgage calculator should I use first?
If you haven’t found a property yet, start with the Affordability Calculator to see how much you could borrow. If you already have a property and mortgage amount in mind, use the Mortgage Repayment Calculator to see your likely monthly cost. Add the Stamp Duty Calculator to understand the upfront tax, and the Buy-to-Let Affordability Calculator if you’re purchasing an investment property.
Are these mortgage calculators accurate?
Our calculators give a close estimate based on the figures you enter, but every lender applies its own affordability rules, credit checks, and criteria. Actual amounts can vary. Speak to one of our FCA-regulated advisors for a figure based on your full circumstances.
Do I need to pay to use these calculators?
No — all calculators on Masari Finance are free to use with no obligation. You can use them anonymously to plan your budget before speaking to an advisor.
How is stamp duty calculated in the UK?
Stamp Duty Land Tax (SDLT) is charged in bands based on the purchase price, with different rates for first-time buyers, home movers, additional properties, and non-UK residents. Our Stamp Duty Calculator applies current HMRC bands automatically based on your buyer type.
What’s the difference between the Affordability Calculator and the Buy-to-Let Affordability Calculator?
The standard Affordability Calculator is based on your personal income and outgoings, used for residential mortgages. The Buy-to-Let Affordability Calculator is based on the property’s expected rental income instead, since most buy-to-let lending is assessed on rental cover rather than personal salary.