🏛️ Stamp Duty Calculator
Calculate SDLT for England, LBTT for Scotland, LTT for Wales. Includes first-time buyer relief and the 5% additional property surcharge.
Answer a few questions. We surface every lender that fits your circumstances from 315+ providers across 10 categories.
Purchase, remortgage, first-time buyer
Single lets, HMOs, Ltd company
Auction, refurb, chain breaks
UK mortgages from overseas
Lifetime mortgages, 55+
Borrow without remortgaging
Office, retail, industrial
Custom builds, eco, renovation
Construction & dev finance
Life, CIC, income protection
We don't sell mortgages. We help you find which lenders match your circumstances before you speak to a broker.
Select from residential, buy-to-let, bridging, equity release, and 6 other specialist categories.
Tell us about your income, deposit, property type, and circumstances. Takes 2-3 minutes.
We check your details against 315+ lenders and show you everyone who might say yes.
Armed with your shortlist, talk to a qualified broker to get actual quotes and apply.
Run the numbers yourself before speaking to a broker. 72 calculators covering every scenario.
Calculate SDLT for England, LBTT for Scotland, LTT for Wales. Includes first-time buyer relief and the 5% additional property surcharge.
Find out how much you can borrow based on income, expenses, and deposit. See estimates using 4x to 5.5x income multiples.
See how overpaying saves you money. Calculate interest saved and years knocked off with monthly overpayments or lump sums.
Analyse rental yields, stress test your ICR, and calculate cash flow. Includes Section 24 tax impact and management fees.
Compare staying with your current lender versus switching. Factor in fees, ERCs, and legal costs to find the break-even point.
Estimate your borrowing ceiling before applying. Enter income and outgoings to see what lenders might offer you.
From standard residential mortgages to specialist finance for developers and expats.
Whether you're a first-time buyer, moving home, or remortgaging, we compare residential mortgage options from high street banks, building societies, and specialist lenders. Compare fixed rates from 2 to 10 years, tracker mortgages, and discount deals.
We cover standard properties, new builds, flats above commercial premises, ex-local authority homes, and properties with non-standard construction. If you've been turned down elsewhere, our lender matching can identify specialists who may help.
Investment property finance including single lets, HMOs (Houses in Multiple Occupation), multi-unit freehold blocks, and holiday lets. Compare lenders by their rental coverage requirements (ICR), minimum income thresholds, and portfolio landlord policies.
We also cover limited company (SPV) purchases, which can be more tax-efficient for higher-rate taxpayers since the Section 24 mortgage interest restrictions don't apply to corporate borrowers.
Short-term finance when you need to move fast. Bridging loans are used for auction purchases (28-day completion), chain breaks (buying before selling), heavy refurbishment projects, and development exit finance.
Rates start from 0.44% per month with terms up to 24 months. Both regulated (for properties you'll live in) and unregulated (investment properties) options available. We compare over 40 specialist bridging lenders.
UK mortgages for British citizens and foreign nationals living overseas. Whether you're based in Dubai, Hong Kong, Singapore, the EU, or elsewhere, we identify lenders who accept your income currency and residency status.
Multi-currency income accepted in GBP, EUR, USD, AED, SGD, and HKD. Options for both residential (UK home) and buy-to-let (investment) purchases.
Most UK lenders offer between 4 and 4.5 times your annual gross income. If you earn £50,000, you could typically borrow £200,000 to £225,000. Joint applicants can combine incomes.
Some specialist lenders offer up to 5.5x income for professionals like doctors, lawyers, and accountants. These enhanced multiples usually require a larger deposit (15-20%) and strong credit history. Use our affordability calculator for a personalised estimate.
The minimum deposit for most UK mortgages is 5% (95% LTV). However, a larger deposit unlocks better interest rates:
| Deposit | LTV | Impact |
|---|---|---|
| 5% | 95% | Higher rates, fewer lenders |
| 10% | 90% | Better rates, more choice |
| 15% | 85% | Good rates, most lenders |
| 25% | 75% | Competitive rates |
| 40%+ | 60% | Best available rates |
For buy-to-let mortgages, most lenders require at least 25% deposit.
Yes. Specialist lenders like Pepper Money, Bluestone, Kensington, and Together consider applicants with adverse credit including CCJs, defaults, missed payments, and even bankruptcies (typically 3-6 years after discharge).
You'll usually need a larger deposit (15-25%) and will pay higher rates. The older and smaller your credit issues, the better your options. Our comparison tool identifies which specialists match your specific credit profile.
Fixed rates lock in your payments for 2, 3, 5, or 10 years, giving you certainty. About 95% of UK borrowers choose fixed rates. Variable rates (trackers and SVRs) can be cheaper when rates are falling but carry the risk of increases.
Consider: How long will you stay in the property? What's your risk tolerance? Are rates expected to rise or fall? Our rate comparison shows current best-buy fixed and tracker deals.
Important: MortgageLab UK is not authorised or regulated by the Financial Conduct Authority (FCA). We do not provide financial advice, mortgage advice, or personal recommendations. All information is for general guidance only.
Always seek advice from a qualified, FCA-authorised mortgage broker before making financial decisions. Your home may be repossessed if you do not keep up repayments on your mortgage.