Mortgage Calculator
Calculate affordability, monthly payments, and get personalised recommendations
Property & Mortgage Details
25 years
Auto-calculated based on LTV and type
Current Rates
Typical rates for June 2025:
- 2yr Fixed: 4.2% - 5.0%
- 5yr Fixed: 3.9% - 4.7%
- Variable: 5.5% - 6.0%
- Buy-to-Let: 5.2% - 6.0%
LTV Impact
Better rates at lower LTVs:
- 60% LTV: Best rates
- 75% LTV: Good rates
- 80% LTV: Standard rates
- 90%+ LTV: Higher rates
Affordability
Typical lending multiples:
- Standard: 4.5x income
- High earners: 5-5.5x
- BTL: 145% rental coverage
- Stress tested at 7-8.5%