Tools

Mortgage calculators

Indicative guides for what your payments might be and how much you could borrow — built for complex and higher income. Not a mortgage offer or advice.

Estimated monthly payment
£2,923 / mo
Total interest over term
£376,885
Total repaid
£876,885
Your income
Enter gross annual figures. Leave blank what doesn’t apply. Variable income is weighted (see notes).
Second applicant
Scenario & commitments
A high-net-worth mortgage customer is defined by the FCA as having a net annual income of at least £300,000, or net assets of at least £3 million. Bespoke affordability can then apply.
Indicative maximum borrowing
£835,140
Assessable income used
£186,000
Income multiple applied
4.49×
Maximum with the right lender: £1,227,600  —  up to 6.6× income, typically available where income exceeds £75,000.
Based on 4.49× your weighted assessable income. Variable income counted at: bonus/commission 60%, carried interest 50%, foreign income 85%; contractor day rate annualised at day rate × 5 × 46 weeks.
Estimated stamp duty
£0
Effective rate
0%
Regime applied
SDLT
BandRateTax
Speak to an adviser about your purchase

This calculator is an indicative guide only. It is not a tax computation, a mortgage offer, or tax or legal advice. Property transaction taxes depend on the full facts of your purchase, including linked transactions, leases and premiums, reliefs and exemptions, and your residence and ownership position, and the figures can change with legislation. Surcharges and reliefs shown are applied on standard assumptions. Always confirm your liability with a solicitor or tax adviser, and with HMRC, Revenue Scotland or the Welsh Revenue Authority, before you proceed. Your home may be repossessed if you do not keep up repayments on a mortgage. Some specialist lending, including certain buy-to-let, commercial and bridging finance, is not regulated by the FCA.

These calculators give an indicative guide only. They are not a mortgage offer, a promise to lend, or financial advice. Actual borrowing depends on a full assessment of your circumstances and each lender’s criteria. Please contact us for advice tailored to you. Your home may be repossessed if you do not keep up repayments on your mortgage.