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Property & Finance Calculators

Five free tools to help you plan your next move — mortgage repayments, affordability, stamp duty, buy-to-let yield and bridging finance. Instant estimates, no sign-up required.

Mortgage repayment Affordability Stamp duty (SDLT) Buy-to-let yield Bridging finance
01 · Repayments

Mortgage repayment calculator

Estimate your monthly repayments on a capital repayment or interest-only mortgage.

Property price
Deposit
Interest rate (%)
Term (years)
Estimated monthly payment
£0
Loan amount£0
Deposit0%
Loan to value (LTV)0%
Total interest payable£0
Total repaid over term£0

This calculator is for illustration only and does not constitute a mortgage offer or financial advice. Rates and terms depend on individual circumstances and lender criteria.

Get a personalised quote – Giles Finance
02 · Affordability

How much could I borrow?

A guide to how much you might be able to borrow, based on typical UK lender income multiples.

Your annual income
Second applicant income (if any)
Existing monthly commitments
Deposit available
Estimated maximum property price
£0
Estimated borrowing (4.5x income)£0
Conservative estimate (4x income)£0
Upper estimate (5x income)£0
Deposit available£0

Illustrative only. Actual lending is based on a full affordability assessment, credit history, existing commitments and lender criteria — not income multiples alone.

Talk to Giles Finance about your options
03 · Stamp Duty

Stamp Duty Land Tax (SDLT) calculator

Estimate the Stamp Duty payable on a residential purchase in England or Northern Ireland.

Property price
Estimated Stamp Duty payable
£0
Effective tax rate0%
Price after Stamp Duty£0

Based on standard residential rates for England & Northern Ireland in force since 1 April 2025, including the 5 percentage point additional property surcharge. Scotland (LBTT) and Wales (LTT) use separate systems. Illustration only — confirm your position with a conveyancer.

Read our buying guide
04 · Investment

Buy-to-let yield calculator

Work out the gross and net rental yield on a buy-to-let investment.

Purchase price
Monthly rental income
Annual running costs
Net rental yield
0%
Gross rental yield0%
Annual rent£0
Net monthly income (before mortgage)£0

Running costs typically include letting/management fees, insurance, maintenance, ground rent and service charges. Figures exclude mortgage payments, void periods and tax. Illustration only.

View investment properties
05 · Short-term finance

Bridging finance calculator

Estimate the cost of a short-term bridging loan used to complete a purchase before a sale or refinance.

Loan amount
Property value / GDV
Monthly interest rate (%)
Term (months)
Total interest over term
£0
Monthly interest£0
Total repayable at exit£0
Loan to value (LTV)0%

Illustration only and excludes arrangement, valuation and exit fees, which vary by lender. Bridging finance is a short-term, higher-cost product secured against property — speak to Giles Finance for whole-of-market advice and a clear exit strategy before proceeding.

Get bridging finance advice
Need advice, not just numbers?

Speak to a whole-of-market adviser

Our finance partner Giles Finance is an independent, FCA-regulated broker offering residential, commercial and buy-to-let mortgage advice, plus bridging and development finance for investors and developers.

Visit Giles Finance →
FAQs

Calculator questions, answered

How accurate are these calculators?
They are for illustration only. Actual mortgage offers, tax due and lending decisions depend on your personal circumstances, lender or HMRC criteria in force at the time, and should be confirmed with a qualified adviser or conveyancer.
How is Stamp Duty Land Tax (SDLT) calculated?
SDLT in England and Northern Ireland is charged in bands, with the rate increasing on the portion of the price within each band. First-time buyers benefit from relief up to £300,000, and an additional 5 percentage point surcharge applies to second homes and buy-to-let purchases. Scotland (LBTT) and Wales (LTT) use separate systems.
What income multiple will a mortgage lender use?
Most UK lenders will typically lend between 4 and 5 times annual income, subject to affordability checks on your outgoings, credit history and the loan-to-value of the mortgage. Speak to Giles Finance for a figure based on your circumstances.
What counts as a good rental yield for buy-to-let?
Gross yields of 5-8% are common across the UK, though this varies significantly by region. Net yield, which deducts running costs, gives a more realistic picture of returns than gross yield alone.
What is bridging finance and when is it used?
Bridging finance is short-term secured lending used to break a property chain, buy at auction, or fund a purchase or refurbishment ahead of a sale or refinance. Rates are higher than standard mortgages and loans are typically repaid within 12 months via an agreed exit strategy.
Can I get personalised advice on any of these?
Yes — our finance partner Giles Finance is an independent, FCA-regulated broker offering whole-of-market mortgage, buy-to-let and bridging finance advice.