Our calculators use current UK lending criteria and are updated regularly to reflect changes in mortgage rules and interest rates. They provide realistic estimates based on typical lender requirements, including the latest April 2025 stamp duty changes. However, actual mortgage offers depend on your individual circumstances, credit history, and specific lender policies. We recommend using these tools for initial planning, then speaking with a qualified mortgage adviser for personalised guidance and formal mortgage advice.

Each calculator serves a different purpose in your property buying journey. The "How Much Can I Borrow" calculator helps establish your budget, the Payment Calculator shows what your monthly costs will be, and the Stamp Duty Calculator reveals additional purchase expenses. Most successful buyers use several tools together to get a complete picture of their affordability and costs. Start with the borrowing calculator to set your budget, then use the others to refine your planning.

Yes, all our mortgage calculators are completely free to use with no hidden charges or registration requirements. You can access them instantly, use them as many times as you like, and there's no obligation to provide personal details or contact information. We believe everyone should have access to professional-quality mortgage planning tools when making such important financial decisions.

Absolutely. Our calculators are designed to accommodate different buyer situations. The borrowing calculator has options for single applicants or joint applications with a partner, and automatically adjusts lending criteria accordingly. First-time buyers can benefit from all our tools, particularly the stamp duty calculator which includes first-time buyer relief calculations. The calculators also work for buy-to-let investors and those remortgaging or moving home.

We review and update our calculators regularly to ensure they reflect current market conditions and lending criteria. Major updates occur whenever there are significant changes to mortgage rules, interest rate trends, or government policies affecting property purchases. For example, our stamp duty calculator was updated immediately following the April 2025 threshold changes. We also monitor typical lender criteria monthly to ensure our affordability calculations remain realistic and helpful for today's market conditions.