How to use this finance & mortgages hub
Finance calculators are most useful when you need to turn a broad question into a realistic monthly figure. Instead of jumping straight from a lender headline or a comparison table to a decision, this hub helps you test the main numbers that actually change affordability: deposit size, interest rate, loan term, fees, and the trade-off between speed of repayment and flexibility.
For home buyers, borrowers, and anyone comparing a large financial commitment, the biggest value comes from running more than one scenario. A small change in rate, term, or upfront cash can move the result far more than people expect. That is why the calculators in this hub are grouped by planning stage, so you can move from rough affordability to monthly repayments, then to overpayments, refinancing, or tax-related ownership costs without losing context.
This section also works well as a reality check before you speak to a broker, bank, or provider. If a quote looks better than your own cautious scenario, you know what questions to ask. If it looks worse, you can already see which input is causing the gap. That makes the tools here especially valuable for narrowing your options before you spend time on applications or negotiations.
Use the featured tools first if you are buying, refinancing, or comparing mortgage scenarios. Then move into the supporting calculators to test repayment structure, stamp duty, savings goals, and rate changes. Taken together, these pages give you a cleaner way to compare decisions that are usually expensive, long-term, and difficult to reverse once you commit.
Most popular calculators
Start with the tools people usually need first, then move into the grouped sections below for more specific scenarios.
Guides that support this category
Use these editorial guides when you need more context before choosing the right calculator.
Mortgage Calculator vs. Affordability Calculator: Which Should You Use?
Compare mortgage and affordability calculators to understand what you can afford vs how much to pay monthly.
8 min read
Fixed vs Variable Rate Mortgage Calculator: Complete Comparison
Understand the differences between fixed and variable mortgage rates with side-by-side comparisons.
9 min read
Mortgage vs Rent Calculator: Should You Buy or Rent Your Home?
Use our comprehensive comparison to decide whether buying or renting makes financial sense for you.
10 min read
Loan Repayment vs Mortgage Calculator: Key Differences Explained
Compare personal loans and mortgages to understand which calculation method applies to your situation.
8 min read
Buying and affordability
Start here when you want to work out what you can buy, what size deposit you need, and whether the monthly payment is realistic.
Mortgage Calculator
Calculate your monthly mortgage payments instantly. Enter loan amount, interest rate and term.
Mortgage Affordability Calculator
Find out how much mortgage you can afford based on your income and outgoings.
Home Affordability Calculator
Home Affordability Calculator helps you estimate the main outcome for Ireland using Annual Household Income (£), Monthly Debt Payments (£), and Deposit Available (£). Use it to compare scenarios before making a final decision.
Deposit Savings Calculator
Calculate how long it will take to save a house deposit based on your monthly savings and interest rate.
Managing an existing mortgage
Use these tools to compare overpayments, interest-only scenarios, refinance options, and the long-run cost of borrowing.
Mortgage Overpayment Calculator
See how much time and interest you save by overpaying your mortgage each month.
Mortgage Amortization Calculator
Mortgage Amortization Calculator helps you estimate the main outcome for Ireland using Loan Amount (£), Annual Interest Rate (%), and Term (Years). Use it to compare scenarios before making a final decision.
Interest-Only Mortgage Calculator
Calculate interest-only mortgage monthly payments and total interest cost.
Refinancing Calculator
Find out how much you save by remortgaging and when you break even on fees.
Early Repayment Savings Calculator
See how much interest you save by paying off your mortgage or loan early.
Fixed vs Variable Mortgage Calculator
Compare fixed and variable rate mortgages side by side.
Property costs and specialist scenarios
These calculators help with tax, bridging finance, equity release, and second-home ownership costs that often get missed in headline comparisons.
Stamp Duty Calculator
Calculate stamp duty land tax (SDLT) on residential property purchases.
Second Home Stamp Duty Calculator
Calculate stamp duty on second homes and buy-to-let properties including the 3% additional property surcharge.
Bridging Loan Calculator
Calculate bridging loan costs including monthly interest, arrangement fees and total cost of borrowing.
Equity Release Calculator
Calculate how much equity you could release from your home and the total rolled-up interest owed.
Buy-to-Let Yield Calculator
Calculate gross and net rental yield on buy-to-let investment properties.
More tools in this category
Use these supporting calculators when you need a more specific comparison or a second opinion on the same decision.
Loan Repayment Calculator
Calculate monthly loan repayments and total interest for any personal or business loan.
APR to APY Calculator
APR to APY Calculator helps you estimate the main outcome for Ireland using APR (%) and Compounding Periods Per Year. Use it to compare scenarios before making a final decision.
Inflation Calculator
Inflation Calculator helps you estimate the main outcome for Ireland using Starting Amount (£), Annual Inflation Rate (%), and Years. Use it to compare scenarios before making a final decision.
Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio (DTI) to see if you'll qualify for a mortgage. Compare your front-end and back-end DTI against FHA, conventional, and VA loan guidelines.
Home Equity & HELOC Calculator
Calculate your home equity, current LTV, and maximum HELOC credit line. See your monthly repayment and total interest cost for any amount you draw from your home equity.