Finance Calculators
Free calculators to model your numbers before you apply, from bridging costs and development finance leverage to buy-to-let yield and the ICR stress test. For live lender pricing, send us your scenario and we will come back the same working day.
Every calculator below uses the same maths our brokers use when they structure a deal. They give a reliable estimate, but they are not a quote. When you are ready for real numbers, we benchmark your case against 130+ specialist lenders.
Mortgage calculators
Mortgage Repayment Calculator
Estimate your monthly payment, total interest and year-by-year balance on capital-and-interest or interest-only terms, plus overpayment savings.
Open calculatorMortgage Affordability Calculator
See how much you could borrow from your income, deposit and commitments, with indicative income multiples and the likely lender tier.
Open calculatorStamp Duty Calculator
Work out stamp duty across England, Scotland and Wales, including first-time buyer relief and the additional-property and non-resident surcharges.
Open calculatorBuy-to-Let Mortgage Calculator
Model a BTL mortgage: monthly interest, gross yield, cash flow and the ICR stress test at 125% or 145% to see whether your rent passes.
Open calculatorRemortgage Savings Calculator
Compare your current and new monthly payment, the total saving over the term, and how long product and ERC costs take to break even.
Open calculatorSecond Charge Mortgage Calculator
How much you could raise behind your existing mortgage, the combined LTV and the monthly cost on a repayment or interest-only basis.
Open calculatorEquity Release Calculator
An illustration of how much tax-free cash you could release from your home based on your age and property value.
Open calculatorLTV Calculator
Work out your loan-to-value ratio from your property value and deposit, see your LTV band and indicative rate, and what reaches the next band.
Open calculatorInterest-Only vs Repayment Calculator
Compare interest-only and capital-and-interest side by side: monthly cost, total interest, capital owed at the end and projected equity.
Open calculatorBridging calculators
Bridging Loan Cost Calculator
Model the true cost of a bridge: rolled, retained or serviced interest, arrangement and exit fees, LTV and the total cost of borrowing.
Open calculatorBridging Loan Calculator
A quick estimate of your monthly interest and the total amount repayable on a bridging loan.
Open calculatorBridging Loan Interest Calculator
Monthly and total interest, fees, net advance and redemption figure for retained, rolled-up or serviced interest.
Open calculatorProperty Auction Finance Calculator
Estimate auction finance costs and check they work against the 28-day completion deadline.
Open calculatorDevelopment calculators
Buy-to-let calculators
Business calculators
Commercial Mortgage Calculator
Monthly repayments, total interest and LTV for a commercial mortgage, with the interest-only payment alongside.
Open calculatorBusiness Loan Repayment Calculator
Model monthly repayments, total interest and the full repayment schedule for a business loan on capital-and-interest or interest-only terms.
Open calculatorAsset Finance Monthly Payment Calculator
Estimate monthly payments on hire purchase or a finance lease, including deposit, balloon payment and the effective cost of borrowing.
Open calculatorMerchant Cash Advance Cost Calculator
See the true cost of an MCA: total repayable from the factor rate, the effective APR, and how long repayment takes against your card turnover.
Open calculatorInvoice Finance Release Calculator
Work out how much working capital you can release from your sales ledger, net of service and discount charges, on factoring or invoice discounting.
Open calculatorWorking Capital Requirement Calculator
Calculate your working capital cycle from debtor, stock and creditor days, and size the funding gap your business needs to cover.
Open calculatorBusiness Loan Affordability & Eligibility Checker
Check indicative affordability and eligibility from your turnover, profitability, trading history and existing commitments before you apply.
Open calculatorReady for a real quote?
The calculators give you a reliable estimate. For live lender pricing, send us your scenario and we will come back the same working day with indicative terms, a lender shortlist, and a realistic timeline. No upfront fees on loans over £1m.