Cashback Remortgages · Mortgage calculations
Mortgage Calculators
Use these calculators to explore the numbers before you speak to an adviser. Each one states its assumptions and gives a mathematical illustration — not a lender decision, an affordability assessment or an offer.
Work out payments and overpayments
Start with what a mortgage would cost each month and how overpaying changes the picture. The repayment calculator uses a balance, rate and term; the overpayment calculator shows how a lump sum or regular extra payment can shorten the term and cut total interest, subject to your lender's allowance.
These tools assume a constant rate and monthly payments. They do not predict the rate after an initial deal or include fees, so treat the output as a scenario rather than a contractual figure.
Compare rates, costs and loan-to-value
The loan-to-value calculator shows which rate bands you fall into; the rate-change calculator shows how a new rate affects your payment on the same balance and term; and the remortgage cost comparison adds payments, product fee and any early repayment charge, less conditional cashback, so you can compare options on the same basis.
Comparing over the same period and including fees matters more than the headline rate alone.
Cashback and buy-to-let checks
The cashback calculator shows indicative remortgage or product-transfer cashback for a mortgage amount — alternatives, not two payments to add together. For landlords, the buy-to-let rental cover calculator estimates the minimum rent a lender's interest-coverage test may require.
A positive cashback figure is still subject to eligibility and completion conditions, and passing a rental-cover test is not the same as approval.
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Sources and further reading
General mortgage information, not a personal recommendation. Lender criteria and scheme rules can change. Ask an adviser about your circumstances and a solicitor or tax adviser about legal or tax questions. Your home may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the FCA.
Discuss the next step for your mortgage
Understand your options before you make a decision.