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Calculators

Numbers first. Then the conversation.

Work out what you could borrow, what it would cost each month, and what the taxman takes — before you speak to anybody, including us.

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No client fee · No obligation

Five calculators

All of them working

What could I borrow?

A range, not a maximum
Basic salary before tax. Overtime and bonus are treated differently by different lenders.£
Leave at zero if you are applying alone.£
Loans, car finance, credit card minimums. Not rent, not childcare.£
£

Our calculators give estimates to help you plan. They are not advice, not a quote, and not a decision from a lender — a lender looks at your credit file, your bank statements and the property itself, and a calculator cannot. Tax bands change at Budgets and your solicitor will confirm the exact amount payable on your purchase. Figures for England and Northern Ireland come from GOV.UK, for Wales from GOV.WALES, and for Scotland from Revenue Scotland. Checked 13 September 2026.

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 Financial Conduct Authority and your property may be repossessed if you do not keep up repayments.

The tax bands behind it

Checked 13 September 2026

England & N. Ireland

Stamp Duty Land Tax — main residence

Up to £125,0000%
£125,001 – £250,0002%
£250,001 – £925,0005%
£925,001 – £1.5m10%
Above £1.5m12%

First-time buyers pay nothing up to £300,000 and 5% from £300,001 to £500,000, with no relief above £500,000. Additional properties carry a 5% surcharge.

Wales

Land Transaction Tax — main rates

Up to £225,0000%
£225,001 – £400,0006%
£400,001 – £750,0007.5%
£750,001 – £1.5m10%
Above £1.5m12%

Wales has no first-time buyer relief — the nil band is simply higher. Higher rates for additional properties start at 5% and rise through the bands.

Scotland

Land and Buildings Transaction Tax

Up to £145,0000%
£145,001 – £250,0002%
£250,001 – £325,0005%
£325,001 – £750,00010%
Above £750,00012%

First-time buyer relief lifts the nil band to £175,000, worth up to £600. The Additional Dwelling Supplement is 8% on second and subsequent homes.

A calculator cannot see your situation.

It does not know about the overtime, the credit card you cleared last month, or the visa. Twenty minutes on the phone does.

Where to next

Chosen for this page
GUIDE

Stamp duty in England, Wales and Scotland

What sits behind the calculator: the bands, the reliefs and the surcharge.

Read this next GUIDE

What a lender actually looks at

Why a lender's answer can differ from the borrowing figure above.

Read this next REFERENCE

The A–Z glossary

Every term used on this page, explained plainly.

Read this next