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Mortgage calculators
Run the numbers before you pick up the phone.
Five quick tools covering monthly payments, borrowing, stamp duty across England, Scotland and Wales, overpayments and loan to value. They are indications only. A lender will assess you properly, and so will we.
Monthly payment
£0
Capital and interest, per month
Indicative maximum borrowing
£0
Indicative borrowing, before a lender assesses you properly
Tax due on purchase
£0
Stamp Duty Land Tax
Rates shown are the 2025/26 residential rates for England and Northern Ireland (SDLT), Scotland (LBTT) and Wales (LTT). Scotland applies its Additional Dwelling Supplement at 8% of the whole price. Wales uses a separate higher rate band table and has no first time buyer relief. Always confirm the figure with your conveyancer.
Interest saved
£0
Interest saved over the life of the mortgage
Most lenders allow you to overpay by up to 10% of the balance each year without a charge, but check your own terms first. Overpaying is not always the right call if you have more expensive debt elsewhere or no emergency savings.
Lenders price in bands, so getting under 90%, 85%, 80%, 75% or 60% can move you to a better rate. A small increase in deposit sometimes makes a large difference to the monthly payment.
Next step
Want the real numbers?
Fifteen minutes on the phone and you will have a proper borrowing figure and a realistic monthly cost.
Prefer to talk now? Call 01282 937599 or email cristian@cdfmortgages.co.uk.