Free · No account · UK-focused
Every mortgage & property calculation, in one place.
Enter your property and borrower details once, and get LTV, affordability illustrations, repayment figures, rental coverage and more — instantly, without repeating yourself across ten different calculators.
Standalone calculators
LTV Calculator
Loan-to-value, equity and additional borrowing at a glance.
Repayment Calculator
Monthly cost for repayment or interest-only mortgages.
Age / Max Term Calculator
How age limits your maximum mortgage term.
Loan-to-Income Calculator
See your borrowing as a multiple of income.
BTL ICR Calculator
Rental coverage and required rent at 125%/145%.
Rental Yield Calculator
Gross yield from purchase price and rent.
Bridging Calculator
Retained or serviced interest, fees and total cost.
Second & Third Charge Calculator
Combined LTV across all charges, plus new loan cost.
Salary Take-Home Calculator
Income tax, National Insurance and net pay.
Salary + Dividend Calculator
Combined take-home for salary plus dividends.
What Lending Calculator is — and isn't
Lending Calculator is a calculation and information tool for mortgage brokers, property professionals, landlords and consumers. It is not a mortgage advice platform, sourcing system or lender recommendation engine. Every figure is either a transparent mathematical calculation from the numbers you enter, or clearly-labelled public/open data — never a fabricated estimate presented as fact.
See exactly which data is real vs. illustrative →