Financial disclaimer

Illustrations only

Every result on this site is an illustration calculated from the information you enter and the assumptions published on that page. Results are not mortgage offers, decisions in principle, quotations, tax computations or valuations.

Not regulated advice

We are not a lender, mortgage broker or financial adviser, and we are not authorised or regulated by the Financial Conduct Authority. Nothing on this site is a personal recommendation. Your home may be repossessed if you do not keep up repayments on your mortgage.

Rates and thresholds change

Interest rates, lending criteria and property tax thresholds change, sometimes at short notice. Each page shows the assumptions used, their source and the date they were last reviewed. Always confirm against the original source.

Individual circumstances decide the outcome

Lenders assess income, credit history, commitments, the property and their own criteria. Two people with identical incomes can receive very different decisions. Tax payable on a purchase depends on facts a calculator cannot know.

Get advice

Before making a financial decision, speak to an FCA-regulated mortgage adviser, and to a solicitor or conveyancer about tax and the transaction itself. Free impartial guidance is available from MoneyHelper.