Property Calculators & Financial Tools
Make confident property decisions with our suite of free UK property calculators. From mortgage repayments to rental yield — everything you need in one place.
All Calculators
Powered by official UK government data and rates
Mortgage Repayment Calculator
Calculate your monthly mortgage repayments based on property price, deposit, and interest rate. Save your parameters to see personalised estimates on listing cards.
Mortgage Affordability Calculator
Find out how much you can borrow based on your income, outgoings, and deposit. Get an instant estimate of your maximum property budget.
Stamp Duty (SDLT) Calculator
Calculate your Stamp Duty Land Tax instantly. Supports first-time buyers, standard buyers, and additional property surcharge with a full band-by-band breakdown.
Rental Yield & ROI Calculator
Calculate gross and net rental yields for buy-to-let investments. Include management fees, maintenance, and insurance to see your true return on investment.
Buy vs. Rent Comparison
Should you buy or keep renting? Model 30 years of costs, equity growth, and investment returns to find the break-even point for your specific situation.
Energy Bill & EPC Estimator
Estimate monthly energy costs for any property type and EPC rating. See how much you could save by improving your energy efficiency rating.
Mortgage Comparison
Compare illustrative mortgage products from major UK lenders side by side. See how property price, deposit, and term affect your monthly payments across different rates and LTV bands.
Remortgage Calculator
Find out how much you could save by switching your mortgage deal. Compare your current repayments against a new rate and term to see monthly savings and total interest saved.
Moving Cost Estimator
Get a complete breakdown of the costs involved in buying and moving home — stamp duty, solicitor fees, surveys, removals, and EPC. Supports England, Wales, Scotland, and Northern Ireland.
First-Time Buyer Guide
Everything you need to know about buying your first home in the UK — eligibility, Help to Buy ISA, Lifetime ISA, Shared Ownership, and Right to Buy. Includes an affordability checker.
Accurate figures based on official UK data
Ready to take the next step?
Connect with FCA-regulated mortgage brokers, verified estate agents, and qualified tradespeople on Britestate.
Free to use · No commitment · FCA regulated partners
Frequently Asked Questions
Are these calculators free to use?
Yes, completely free. No account needed, no hidden charges. All calculations run locally in your browser.
How accurate are the results?
Our calculators use official UK government rates and typical lender assumptions. Results are estimates — always get advice from a qualified professional before making financial decisions.
Do you store my financial data?
No. All calculations happen in your browser. The only data we optionally save is your mortgage parameters (deposit, rate, term) to personalise listing cards — and only if you click 'Save Parameters'.
Which regions do the calculators cover?
Mortgage and yield calculators apply UK-wide. The SDLT calculator covers England and Northern Ireland (different rates apply in Scotland and Wales). The energy calculator uses England & Wales Ofgem Price Cap data.
All figures provided are estimates only and do not constitute financial advice. Britestate is not authorised to provide regulated financial advice. Always seek guidance from a qualified, FCA-regulated professional before making property or mortgage decisions. Your home may be repossessed if you do not keep up repayments on your mortgage.