Planning Tools
Financial calculators to help you plan
Estimate mortgage repayments, stamp duty, income & more. Results are for guidance only — call us for exact figures tailored to you.
Mortgage Repayment Calculator
Estimate your monthly mortgage repayments based on loan amount, interest rate, and term.
This calculator provides an estimate only. Actual repayments depend on your lender's terms and rates change regularly. Call us to compare options across our full lender panel.
Loan Repayment Calculator
Work out monthly repayments for personal loans, car finance, or second charge loans.
Illustrative only. Actual loan costs depend on lender, credit score, and individual circumstances.
Income & Expenditure Calculator
See your monthly disposable income, the starting point for any mortgage affordability assessment.
Monthly Income
Monthly Expenditure
Lenders carry out their own affordability checks. This tool gives a personal overview, and your adviser will review your full financial picture before making any recommendation.
Stamp Duty Calculator
Estimate Stamp Duty Land Tax (SDLT) for property purchases in England and Northern Ireland. Rates correct from 1 April 2025.
Stamp Duty rates apply to England and Northern Ireland only. Different rates apply in Scotland (LBTT) and Wales (LTT). Thresholds and reliefs can change, so verify with your solicitor before exchange. Rates shown are effective from 1 April 2025.
Inheritance Tax Calculator
Estimate the Inheritance Tax (IHT) liability on an estate. Rates correct for 2025/26.
IHT is complex. Gifts, trusts, business relief, and other exemptions can significantly reduce the liability. This tool provides a basic estimate only. Professional estate planning advice from a qualified adviser is strongly recommended.
Check your credit report
Your credit score plays a major role in which mortgage deals you can access and at what rate. Knowing your score before you apply gives your adviser a clearer picture of your options, and may help you take steps to improve it before making a formal application.
We recommend checking your credit report before your first consultation with us. It takes minutes and does not affect your score.
Checking your own credit file is a "soft search" and will not affect your credit score. Only lender applications create hard searches.
Numbers are a starting point.
Advice is everything.
These calculators give you a useful picture, but the right mortgage for your circumstances depends on far more than a formula. Let us search a broad lender panel for you.