Mortgage Calculators

We have 3 mortgage calculators to help you work out pretty much everything you need when buying a property:

1. Find out how much you can borrow – this mortgage calculator gives you an idea of how much you can borrow based on if you’re a first-time buyer, moving home or looking to remortgage. It’s a really useful way of making sure you’re looking at houses in the right price range or figuring out how much of a deposit you will need.
2. Mortgage rate calculator – looking to find the right mortgage for you, or simply compare rates? This calculator gives you an idea of the rates we’d offer and the mortgages available to you based on the purchase price and your deposit amount.
3. Repayment calculator – already know the interest rate you're looking to switch to? This mortgage calculator works out how much your monthly payments could be on a repayment or interest only basis.

If you’re using our ‘how much you can borrow’ or ‘mortgage rate’ calculators, you’ll need to pick which type of buyer you are (first time buyer, remortgaging etc) and let us know a few details about yourself and the property. For the repayment calculator, you’ll just need to know your mortgage amount, interest rate, and term.

First, you’ll need to tell us the property value, deposit, and repayment term. You can then see the results of the different mortgages you can apply for.

You can then find out how much you could borrow. You can find out more about which mortgage is right for you with our mortgage guide, or give us a call to talk to one of our mortgage experts.

If you are considering buying a property, you can use our mortgage calculator to see how much you could borrow and what the costs might be, whether you’re:

• A first-time buyer
• Moving home
• Remortgaging
• Buying an additional property

We’ll also ask you about any other applicants and dependants.

How much you can borrow will depend on information like your income and outgoings, as well as the type of mortgage you plan to apply for.

It can be tempting to borrow the maximum amount you can afford. However, the higher the amount you borrow, the less wiggle room you’ll have in case interest rates and your payments go up. Or even if your income decreases due to unemployment or other unforeseen circumstances.

Using the mortgage calculator does not affect your credit score. The mortgage calculator provides you with an estimate of how much you could be able to borrow. It does not perform a hard or soft credit check, check your affordability or show up on your credit report.

Once you apply for a mortgage with TSB, we will carry out a credit check which could affect your credit score.