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Mortgage affordability calculator: How much you can borrow?

Updated: 13:39 EST, 31 January 2023

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Find out how much you can afford to borrow, or whether you can afford your existing mortgage, with This is Money's mortgage affordability calculator.

And as lenders try to push borrowers on interest-only loans onto repayment deals, see the difference between capital repayment and interest-only deals

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Stamp duty calculator

How much tax would you have to pay on a home or buy-to-let?

Purchase price
£
Is this a buy-to-let or second home? (Higher rates apply)
Are you a first-time buyer?
First-time buyer zero rate up to £425,000 only applies if buying a home costing £625,000 or less
The first-time buyer zero stamp duty rate threshold will fall to £300,000 from 1 April 2025. The standard home purchase stamp duty threshold will fall to £125,000 from 1 April 2025. This calculator does not show costs after that date.
*Transactions under £40,000 do not require a tax return to be filed with HMRC and are not subject to the higher rates

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