Every tool below computes something a lender, or you, would actually need to check, not just a rough estimate. Where a tool has a companion guide explaining the concept behind it, we've linked it directly.
Mortgage decisions
Buying and moving
Mortgages
Landlords and HMOs
Later life
These tools use simplified models to illustrate how the underlying maths works. None of them constitutes a mortgage offer, a formal affordability assessment, or personal financial advice. Use them to understand a decision and prepare better questions for a qualified broker or adviser, not as a final answer.
Frequently asked questions
Are these calculators actually free to use?
Yes, every tool on this page is free, runs entirely in your browser, and doesn't require an account or email address to use.
Do these calculators store or send my data anywhere?
No. Figures you enter are processed locally in your browser to produce a result and aren't transmitted to or stored on our servers. See our Privacy Policy for full detail.
About the author
✓ Editorially reviewed — all Poqet guides are checked for factual accuracy before publication and updated when UK rates or legislation change. Editorial Policy