Property and Mortgages Hub

Build a realistic home-buying or remortgage plan. Model monthly payments, borrowing limits, stamp duty, and long-term buy vs rent trade-offs.

Suggested path

Check borrowing power and monthly repayment comfort zone.
Add stamp duty and purchase costs for total upfront budget.
Validate assumptions using first-time buyer or remortgage guides.

Thinking ahead to inheritance tax?

Property is usually the largest asset in an estate, so it drives Inheritance Tax. Check whether your estate exceeds the £325k / £500k / £1m allowances with the inheritance tax calculator or read the inheritance tax guide.

Property calculators

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Mortgage Calculator

Work out your estimated repayments!

Mortgage Affordability Calculator

Work out what you can potentially borrow for your mortgage!

Joint Mortgage Calculator

Calculate borrowing power for couples with different incomes and employment types!

Rent vs Buy Calculator

Compare renting vs buying a property over time!

Rent Affordability Calculator

Calculate how much rent you can afford based on your income!

Rental Yield Calculator

Calculate gross and net rental yield for property investment!

Stamp Duty Calculator

Calculate SDLT for first-time buyers, home movers, and additional property purchases with April 2025 thresholds!

Home buying guides

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First-Time Home Buyer Guide

Complete guide to buying your first home in the UK - deposits, mortgages, and costs

How to Save for a House Deposit

Complete guide to saving for your house deposit - Lifetime ISA, timelines, and strategies

Couple Mortgage Bad Credit Guide

Can one bad credit score ruin your mortgage? Learn your options when one partner has poor credit

Stamp Duty UK Guide

SDLT rates, first-time buyer relief, additional property surcharge, and Scotland & Wales rates explained

Remortgage Guide UK

When to remortgage, how ERCs work, product transfers vs remortgaging, and how to get the best rate

Market and landlord insights

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Burnham's Land Value Tax: Who Wins and Loses

77% of households could pay less — but Londoners face £1,000+ rises. Full region-by-region analysis of how LVT changes your property bill.

Land Value Tax: What It Means for Your Mortgage, House Price & Budget

How a land tax would affect your house price, your mortgage LTV, your monthly budget — and how many years before you need to worry about it.

How Much Rent Can I Afford on My Salary? UK Guide

Decision-first guide to UK rent affordability rules, salary multipliers, and practical budgeting checks.

Is Buy-to-Let Worth It in 2026?

Is buy-to-let still profitable after Section 24 tax changes? Expert analysis of BTL returns, stamp duty, and alternatives

How Much Rent Can I Charge? Landlord Guide UK 2026

Landlord pricing: local comps, gross vs net yield, LHA caps and the under-bracket trick — with £180k–£500k yield tables. For the 185-imps landlord cluster.

Is It Better to Rent or Buy in 2026? 5% Rule & Break-Even

The 5% rule, your break-even year and a worked £300k example — the informational companion to the rent vs buy calculator for rent-or-buy searches.

Rental Yields UK Guide 2026

What's a good rental yield in 2026? Complete UK regional guide with buy-to-let returns and analysis

Tax on a Rental Property UK 2026

Complete guide to rental property tax in the UK — income tax on rental profits, Section 24, limited company vs personal ownership, CGT on sale, and self-assessment filing. Includes Scotland tax band breakdown.

How to Share Mortgage Calculator Scenarios in the UK

Step-by-step workflow for sharing mortgage scenarios with partners and brokers to compare rates, fees, terms, and overpayments.

Mortgage LTV Brackets UK: Save Thousands by Hitting the Next Band

Complete guide to UK mortgage LTV brackets — how each 5% band changes your rate, exactly how much you save, and how our Mortgage Calculator now highlights when you'll hit the next band.