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01332 300300Mortgages
Mortgage Calculators for Derbyshire and the UK
Free tools to help you plan your next move. Work out what you could borrow, your monthly payments, Stamp Duty and more. Each one explains what to enter as you go. Based in Pride Park, Derby, we help buyers and homeowners across Derbyshire and the UK.
★★★★★ Rated 5 stars on Google | FCA Regulated (Ref: 706676) | Local, Derby-Based Advice | Call 01332 300300
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Leave your number and a Derby-based adviser will call you back, usually within one working day.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Choose a Calculator
Pick the tool that fits what you want to do. Each one takes a few minutes and gives you a guide figure.
Buying a Home
For first-time buyers and home movers.
How Much Can I Borrow?
See what lenders might offer on your income, from 4.5 to 6 times salary.
- Single or joint income
- Allows for debts and bonus pay
- Checks your deposit
Monthly Repayment Calculator
Work out your monthly payment and the total cost over the term.
- Repayment or interest only
- Payment after your deal ends
- What a rate rise would cost
Stamp Duty Calculator
Work out the Stamp Duty on a home in England or Northern Ireland.
- First-time buyers
- Home movers
- Additional properties
Already Own Your Home
For homeowners with a deal ending, spare money or plans to borrow more.
Remortgage Rate Checker
See what remortgage rates could be open to you when your deal ends.
- Live lender rates
- Results in seconds
- No credit check
Overpayment Calculator
See how much interest and time you could save by paying extra.
- Monthly or lump sum
- Shorter term or lower payment
- Flags the 10% allowance
Further Advance and Secured Loan Calculator
See how much more you could borrow against your home.
- Up to 85% of your home’s value
- Further advance or secured loan
- Monthly cost of the extra borrowing
Later Life and Deals
For homeowners aged 55 and over, and anyone who wants to compare today’s deals.
Equity Release Calculator
See how much tax-free cash you could release from your home if you are 55 or over.
- Single or joint applicants
- Allows for your property type
- Shows how the loan could grow
Compare Mortgage Deals
View today’s deals from lenders across the market.
- Buying, moving or remortgaging
- Buy to let deals
- Book a free chat with an adviser
Guide figures only. Not a quote, offer or recommendation.
How Our Calculators Help
Plain English
Every box has a note beside it that explains what to enter and why it matters. No jargon.
Free and Private
The calculators are free, there is no credit check and you do not need to sign up. They work on phones, tablets and computers.
A Guide, Not an Offer
Lenders look at your whole situation. For a figure based on your own details, speak to one of our advisers.
Which Calculator Should I Use?
| If you want to | Use this |
|---|---|
| Know your budget before you view homes | How much can I borrow? |
| Check you can afford the monthly payments | Monthly repayment calculator |
| Budget for the tax on your purchase | Stamp Duty calculator |
| Avoid a jump in payments when your deal ends | Remortgage rate checker |
| Be mortgage free sooner | Overpayment calculator |
| Raise money for home improvements or other plans | Further advance calculator |
| Release cash from your home in later life | Equity release calculator |
Derby office
Local Advice in Derbyshire
Our advisers work from Pride Park in Derby. We help buyers and homeowners across the county find the right mortgage, remortgage or equity release plan.
Areas we cover
- Derby
- Belper
- Ripley
- Heanor
- Ilkeston
- Long Eaton
- Swadlincote
- Alfreton
- Matlock
- Ashbourne
- Chesterfield
- Buxton
Across the UK
Advice Across the UK
Not in Derbyshire? We arrange mortgages across the UK by phone and video call, with the same service and support.
Call us on 01332 300300
Book a Phone or Video CallMortgage Calculator FAQs
Yes. All our calculators are free to use.
No. You can use every calculator without an account or password.
Yes. All our calculators work on phones, tablets and computers.
They give a guide based on the figures you enter. Lenders look at your income, spending, credit history and the property, so the amount they offer may differ.
No. None of our calculators run a credit check, so using them has no effect on your credit file.
If you are buying, start with how much you could borrow, then check the monthly payments and Stamp Duty. If you own your home, start with the remortgage rate checker.
A Derby-based adviser will call you, usually within one working day. They will talk through your plans and explain your options. There is no obligation.
Have a Question? Get in Touch
Prefer to tell us more about your plans first? Send us a message and a Derby-based adviser will get back to you directly.
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Want a Figure Based on Your Own Circumstances?
Speak to one of our advisers for a personal recommendation, not just a guide figure.
Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home. Equity release will reduce the value of your estate and may affect your right to means-tested benefits. Our calculators give a guide only. They are not a quote, an offer of a mortgage or a personal recommendation. Mortgage & Finance Arena Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 706676).