UK Property and Mortgage Calculators: Free Tools for 2026/27
Calculate mortgage overpayments, LTV, rental yield, and property investment returns.
12
Free tools
2026/27
Tax year
HMRC
Verified rates
Buying, selling, or investing in UK property involves substantial costs that are easy to underestimate. Our property and mortgage calculators help you understand every figure - from the stamp duty due on your purchase (using the April 2026 revised thresholds) to monthly mortgage repayments, the interest saved through overpayments, and the net rental yield on an investment property. Whether you're a first-time buyer calculating your total purchase costs, a homeowner exploring whether to overpay your mortgage, a landlord assessing a buy-to-let investment, or a developer evaluating bridging finance, our tools give you precise, HMRC-aligned numbers to base your decisions on.
All Property & Mortgage Calculators
12 toolsCouncil Tax Calculator
Estimate your annual and monthly council tax by band for England, Wales, and Scotland.
Land Registry Fee Calculator
Work out your HM Land Registry Scale 1 registration fee for electronic and postal applications.
Rent Affordability Calculator
Work out the maximum rent you can pass referencing for under the 30x rule and your comfortable budget.
Mortgage Overpayment Calculator
See how much interest and time you save by making regular or lump-sum mortgage overpayments.
LTV Calculator
Calculate your loan-to-value ratio and see which mortgage rate band you qualify for.
Buy-to-Let Calculator
Calculate BTL rental yield, monthly profit, and post-Section 24 tax liability.
Bridging Loan Calculator
Calculate bridging loan interest costs, monthly charges, and total facility cost.
Stamp Duty Calculator
Calculate SDLT for standard, first-time buyer, and additional property purchases under the April 2026 rates.
Mortgage Calculator
Calculate monthly repayments, total interest, and see full amortisation schedule for any mortgage.
Remortgage Calculator
Compare your current mortgage payment with a new deal and see whether switching saves after fees.
Rental Yield Calculator
Calculate gross and net rental yield on any property, factoring in costs, void periods, and tax.
Equity Release Calculator
Estimate how much equity you could release from your home and the long-term interest cost.
Related Guides
June 2026
Council Tax Explained 2026/27
Valuation bands, who pays, the 25 percent single person discount, exemptions, and how to challenge your band.
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Bridging Loans UK: How They Work in 2026
Open and closed bridges, first and second charge, how monthly interest is charged, indicative costs, and exit strategies before you use the calculator.
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First Time Buyer Guide UK 2026: Steps and Help
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Remortgage Guide UK 2026: How and When to Switch
When a fixed deal ends, remortgaging can keep you off the higher standard variable rate. Step by step process, costs to watch, and when switching may not be worth it.
Read guideFebruary 2026
How Mortgage Overpayments Save You Thousands: A Complete Guide
£200/month overpayment on a typical mortgage can save £25,000 to £30,000 in interest and cut years off your term. Lump sums vs regular payments, lender limits, and when NOT to overpay.
Read guideFebruary 2026
LTV Explained: Why Your Loan-to-Value Ratio Determines Your Mortgage Rate
Your LTV is the single biggest factor in your mortgage rate. We explain LTV bands (60%, 75%, 85%, 90%, 95%), how to move down a band, and what impact it has on rates.
Read guideFebruary 2026
Buy-to-Let Tax Changes 2025: What Landlords Need to Know About Section 24
Section 24 means mortgage interest is no longer a deductible expense. The 20% tax credit replacement hits higher-rate taxpayers hardest, with before/after worked examples.
Read guideFebruary 2026
Stamp Duty Rates 2026/27: What Changed in April and What You Pay Now
The nil-rate threshold reverted to £125,000 and first-time buyer relief returned to £300,000 from April 2026. Full rate tables with worked examples for £200K to £750K properties.
Read guideApril 2026
First-Time Buyer Guide to Stamp Duty Relief 2026/27
First-time buyers pay 0% on the first £300,000 and 5% up to £500,000. Above £500,000 the relief disappears entirely - how to plan around it.
Read guideDecember 2024
What Is a Good Rental Yield in the UK?
Gross rental yields of 5 to 7% are generally considered good UK buy-to-let. Net yield after costs, voids, and tax is typically 2 to 4% lower. We run the numbers for different regions.
Read guideFrequently Asked Questions
Common questions about property & mortgage.
For standard residential purchases: 0% on the first £125,000; 2% on £125,001 to £250,000; 5% on £250,001 to £925,000; 10% on £925,001 to £1,500,000; 12% above £1,500,000. First-time buyers pay 0% on the first £300,000 (for properties up to £500,000) and 5% on the remainder. Additional properties (second homes, buy-to-let) attract a 5% surcharge on top of standard rates.
The temporary first-time buyer relief threshold of £425,000 (introduced in September 2022) reverted to £300,000 on 1 April 2026. The nil-rate threshold also reverted from £250,000 back to £125,000. This means most buyers pay more stamp duty from April 2026. A first-time buyer purchasing a £400,000 property pays £5,000 compared to £0 under the temporary rules.
LTV = (Mortgage Amount ÷ Property Value) × 100. For example, a £180,000 mortgage on a £200,000 property = 90% LTV. Lower LTV means lower risk for the lender and access to better mortgage rates. Most lenders offer their best rates at 60% LTV or below.
Bridging loans are short-term, higher-cost finance used when speed is essential, for example to break a property chain, buy at auction, or fund refurbishment before refinancing. They should be used with a clear exit strategy and only when the short-term indicative cost is justified by the opportunity. See our bridging loans UK guide for how they work.
A gross rental yield of 5-7% is generally considered good for UK buy-to-let. However, net yield (after mortgage costs, insurance, maintenance, letting agent fees, and tax) is more relevant to profitability - typically 2-4% lower than gross yield. Higher-yield properties are often in northern cities (Manchester, Leeds, Liverpool), while London yields are typically lower (3-4%).
All calculations use official HMRC rates for 2026/27, updated April 2026. Results are estimates for guidance only - not financial advice. Our methodology · Disclaimer