Mortgage Calculator.

Our mortgage calculator is an easy way to get an estimate of how much you could borrow and how much your monthly payment could be based on our current product range, which can change at any time. It is for illustrative purposes only and is not a mortgage offer. Before agreeing a loan a credit search and full application is required, and our lending requirements must be met.

This calculator provides results for repayment mortgages only. For interest only mortgages you can talk to a mortgage adviser.

Currently the calculator doesn’t show rates for existing customers looking to take additional borrowing. Find out about our additional borrowing rates.

I already have a Halifax mortgage

This helps us to understand more about your requirements.

Please tell us if you already have a Halifax mortgage. Knowing this helps us get you to the right place.

I'm thinking about...

Please tell us what option you thinking about. Knowing this helps us get you to the right place.

How many people are applying?
Number of dependants

This is the number of people that are financially dependent on any applicant and who will not be named on the mortgage, for example a child or elderly family member.


First applicant

Annual income (before tax)

Your guaranteed income earned each year, plus any working tax credit, car allowance, area allowance and paid company benefits.

Other annual income (before tax)

Total of any other sustainable money you earn throughout the year. For example, this includes any bonus, commission or overtime received and allowances.

Monthly commitments

Combined total of monthly commitments that you'll be paying when your new mortgage starts. For example; Credit commitments (a loan, student loan, credit or store card). Family commitments (school fees, child maintenance or child care). Other lifestyle commitments (that you're unable or unwilling to give up).

Mortgage term (years)

This is how long you'd like to borrow the money for. Most customers will experience a reduction in their income when they retire and you should consider this when selecting a mortgage term, aiming to repay your mortgage before you plan to retire.


Second applicant

Annual income (before tax)

Your guaranteed income earned each year. For example, this includes working tax credit, car allowance, area allowance and flexible benefits.

Other annual income (before tax)

Total of any other money you earn throughout the year. For example, this includes any bonus, commission or overtime received, allowances, and benefits such housing.

Monthly commitments

Combined total of monthly commitments that you'll be paying when your new mortgage starts. For example; Credit commitments (a loan, student loan, credit or store card). Family commitments (school fees, child maintenance or child care) Other lifestyle commitments (that you're unable or unwilling to give up).

Property value

The amount you'll pay for the property. You might not know at the moment so you can put in a guide amount to help you see what your monthly payments could be.

Your deposit

This is the amount of cash or equity you've got to put towards the cost of your property. Don't forget you'll need to set aside money for other costs such as stamp duty which can't be added to the mortgage.

Outstanding mortgage amount

This is the amount of money left to pay on your current mortgage.

How much more would you like to borrow

This is the additional amount of money that you'd like to borrow against your current mortgage.

Mortgage term (years)

This is how long you'd like to borrow the money for. Most customers will experience a reduction in their income when they retire and you should consider this when selecting a mortgage term, aiming to repay your mortgage before you plan to retire.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Mortgage summary

Your mortgage summary will appear here when you start using the calculator.

Based on the information you've given us, we estimate:

You could borrow up to: ##MLA##


Based on the information you have given us, we estimate:

You require a mortgage of:

##RMA##

Your monthly payments would be:

##MRR##

With a loan to value of:

##LTV##


What's next

We've found ##NOP## products available to you.

Based on the information you've given us, we don’t currently have a product available. You could try looking at lower cost properties - or increasing your deposit if you have other funds available.

Based on the information you've given us, we don’t currently have a product available. You could try looking at lower cost properties - or increasing your deposit if you have other funds available.

Based on the information you've given us, we don't have an available product. You may wish to speak to one of our Mortgage Advisers.

Based on the information you've given us, we don’t currently have a product available. You could try looking at lower cost properties - or increasing your deposit if you have other funds available.

Based on the information you've given us, we don't have an available product. You may wish to speak to one of our Mortgage Advisers.

Based on the information you've given us, we can't offer you the amount of additional borrowing you have requested. Find out more.

Based on the information you've given us, we don’t currently have a product available. You could try looking at lower cost properties - or increasing your deposit if you have other funds available.

Based on the information you've given us, we can't offer you the amount requested

Based on the information you've given us, we don’t currently have a product available. You could try looking at lower cost properties - or increasing your deposit if you have other funds available.

Based on the information you've given us, we don't have an available product. You may wish to speak to one of our Mortgage Advisers.


Show products

Based on the property costing ##PV##, you need to ensure you have other funds available for:

Stamp duty / land tax
##SD##
Legal costs
£1500
Surveys
£400
Total
##TA##

These are estimates only. If you're buying a property in Scotland, different costs may apply.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Your results

When you speak to one of our mortgage advisers, they’ll ask you about your needs and circumstances and then recommend our most suitable mortgage for you. If you are looking for a buy to let mortgage, our mortgage advisers can only give you information about our range of buy to let mortgages, they will not be able to offer any advice.

The rates you see are only guaranteed for applications made on the day. We reserve the right to change our product range at any time.

This calculator provides results for repayment mortgages only. For interest only mortgages you can talk to a mortgage adviser.


Rate type:
Repayment type:
Product term:

What do these numbers mean?

Close
Monthly illustrative payment
This is the amount payable each month for the initial product period and does not include any mortgage related fees you may add to your overall mortgage.
Initial rate
This is the interest rate you’d pay on your mortgage for the initial product period.
Followed by rate
This is the interest rate you’d pay on your mortgage following the initial product period.
Overall cost for comparison
APR stands for Annual Percentage Rate. This takes into consideration all of the costs of the loan giving you a figure to use for comparison.
Product fee
This is one off fee when you start your mortgage, not all products have a fee.
Early repayment charges
This shows whether early repayment charges are payable and the date they apply until. Some mortgages do not have early repayment charges and this will be shown here.
LTV
LTV stands for Loan to Value. It is the proportion of the value or price of the property (whichever is the lower), that you borrow on a mortgage. For example, a £80,000 mortgage on a house valued at £100,000 would mean a LTV of 80%.

THE RATES AND MONTHLY PAYMENTS SHOWN ARE FOR ILLUSTRATIVE PURPOSES ONLY. THIS IS NOT A MORTGAGE OFFER. BEFORE AGREEING A LOAN A CREDIT SEARCH AND FULL APPLICATION ARE REQUIRED AND OUR LENDING REQUIREMENTS MUST BE MET.

OUR MORTGAGE CALCULATOR PROVIDES AN ESTIMATE OF YOUR MONTHLY PAYMENTS BASED ON A SAMPLE OF OUR CURRENT PRODUCT RANGE.

THE MONTHLY PAYMENT QUOTED IS FOR THE 'INITIAL PRODUCT RATE PERIOD' AND DOES NOT INCLUDE ANY MORTGAGE RELATED CHARGES YOU MAY ADD TO YOUR MORTGAGE LOAN. IT ALSO ASSUMES THAT THE MORTGAGE WILL BE A REPAYMENT MORTGAGE.

OUR RATES ARE ONLY GUARANTEED FOR APPLICATIONS MADE TODAY. WE RESERVE THE RIGHT TO CHANGE OUR PRODUCT RANGE AT ANY TIME.

THE RATES AND MONTHLY PAYMENTS SHOWN ARE FOR ILLUSTRATIVE PURPOSES ONLY. THIS IS NOT A MORTGAGE OFFER. BEFORE AGREEING A LOAN A CREDIT SEARCH AND FULL APPLICATION ARE REQUIRED AND OUR LENDING REQUIREMENTS MUST BE MET.

OUR MORTGAGE CALCULATOR PROVIDES AN ESTIMATE OF YOUR MONTHLY PAYMENTS BASED ON A SAMPLE OF OUR CURRENT PRODUCT RANGE.

THE MONTHLY PAYMENT QUOTED IS FOR THE 'INITIAL PRODUCT RATE PERIOD' AND DOES NOT INCLUDE ANY MORTGAGE RELATED CHARGES YOU MAY ADD TO YOUR MORTGAGE LOAN. IT ALSO ASSUMES THAT THE MORTGAGE WILL BE A REPAYMENT MORTGAGE.

OUR RATES ARE ONLY GUARANTEED FOR APPLICATIONS MADE TODAY. WE RESERVE THE RIGHT TO CHANGE OUR PRODUCT RANGE AT ANY TIME.

THE RATES AND MONTHLY PAYMENTS SHOWN ARE FOR ILLUSTRATIVE PURPOSES ONLY. THIS IS NOT A MORTGAGE OFFER. BEFORE AGREEING A LOAN A CREDIT SEARCH AND FULL APPLICATION ARE REQUIRED AND OUR LENDING REQUIREMENTS MUST BE MET.

OUR MORTGAGE CALCULATOR PROVIDES AN ESTIMATE OF YOUR MONTHLY PAYMENTS BASED ON A SAMPLE OF OUR CURRENT PRODUCT RANGE.

THE MONTHLY PAYMENT QUOTED IS FOR THE 'INITIAL PRODUCT RATE PERIOD' AND DOES NOT INCLUDE ANY MORTGAGE RELATED CHARGES YOU MAY ADD TO YOUR MORTGAGE LOAN. IT ALSO ASSUMES THAT THE MORTGAGE WILL BE A REPAYMENT MORTGAGE.

OUR RATES ARE ONLY GUARANTEED FOR APPLICATIONS MADE TODAY. WE RESERVE THE RIGHT TO CHANGE OUR PRODUCT RANGE AT ANY TIME.

THE RATES AND MONTHLY PAYMENTS SHOWN ARE FOR ILLUSTRATIVE PURPOSES ONLY. THIS IS NOT A MORTGAGE OFFER. BEFORE AGREEING A LOAN A CREDIT SEARCH AND FULL APPLICATION ARE REQUIRED AND OUR LENDING REQUIREMENTS MUST BE MET.

OUR MORTGAGE CALCULATOR PROVIDES AN ESTIMATE OF YOUR MONTHLY PAYMENTS BASED ON A SAMPLE OF OUR CURRENT PRODUCT RANGE.

THE MONTHLY PAYMENT QUOTED IS FOR THE 'INITIAL PRODUCT RATE PERIOD' AND DOES NOT INCLUDE ANY MORTGAGE RELATED CHARGES YOU MAY ADD TO YOUR MORTGAGE LOAN. IT ALSO ASSUMES THAT THE MORTGAGE WILL BE A REPAYMENT MORTGAGE.

OUR RATES ARE ONLY GUARANTEED FOR APPLICATIONS MADE TODAY. WE RESERVE THE RIGHT TO CHANGE OUR PRODUCT RANGE AT ANY TIME.

THE RATES AND MONTHLY PAYMENTS SHOWN ARE FOR ILLUSTRATIVE PURPOSES ONLY. THIS IS NOT A MORTGAGE OFFER. BEFORE AGREEING A LOAN A CREDIT SEARCH AND FULL APPLICATION ARE REQUIRED AND OUR LENDING REQUIREMENTS MUST BE MET.

OUR MORTGAGE CALCULATOR PROVIDES AN ESTIMATE OF YOUR MONTHLY PAYMENTS BASED ON A SAMPLE OF OUR CURRENT PRODUCT RANGE.

THE MONTHLY PAYMENT QUOTED IS FOR THE 'INITIAL PRODUCT RATE PERIOD' AND DOES NOT INCLUDE ANY MORTGAGE RELATED CHARGES YOU MAY ADD TO YOUR MORTGAGE LOAN. IT ALSO ASSUMES THAT THE MORTGAGE WILL BE A REPAYMENT MORTGAGE.

OUR RATES ARE ONLY GUARANTEED FOR APPLICATIONS MADE TODAY. WE RESERVE THE RIGHT TO CHANGE OUR PRODUCT RANGE AT ANY TIME.

THE RATES AND MONTHLY PAYMENTS SHOWN ARE FOR ILLUSTRATIVE PURPOSES ONLY. THIS IS NOT A MORTGAGE OFFER. BEFORE AGREEING A LOAN A CREDIT SEARCH AND FULL APPLICATION ARE REQUIRED AND OUR LENDING REQUIREMENTS MUST BE MET.

OUR MORTGAGE CALCULATOR PROVIDES AN ESTIMATE OF YOUR MONTHLY PAYMENTS BASED ON A SAMPLE OF OUR CURRENT PRODUCT RANGE.

THE MONTHLY PAYMENT QUOTED IS FOR THE 'INITIAL PRODUCT RATE PERIOD' AND DOES NOT INCLUDE ANY MORTGAGE RELATED CHARGES YOU MAY ADD TO YOUR MORTGAGE LOAN. IT ALSO ASSUMES THAT THE MORTGAGE WILL BE A REPAYMENT MORTGAGE.

OUR RATES ARE ONLY GUARANTEED FOR APPLICATIONS MADE TODAY. WE RESERVE THE RIGHT TO CHANGE OUR PRODUCT RANGE AT ANY TIME.

THE RATES AND MONTHLY PAYMENTS SHOWN ARE FOR ILLUSTRATIVE PURPOSES ONLY. THIS IS NOT A MORTGAGE OFFER. BEFORE AGREEING A LOAN A CREDIT SEARCH AND FULL APPLICATION ARE REQUIRED AND OUR LENDING REQUIREMENTS MUST BE MET.

OUR MORTGAGE CALCULATOR PROVIDES AN ESTIMATE OF YOUR MONTHLY PAYMENTS BASED ON A SAMPLE OF OUR CURRENT PRODUCT RANGE.

THE MONTHLY PAYMENT QUOTED IS FOR THE 'INITIAL PRODUCT RATE PERIOD' AND DOES NOT INCLUDE ANY MORTGAGE RELATED CHARGES YOU MAY ADD TO YOUR MORTGAGE LOAN. IT ALSO ASSUMES THAT THE MORTGAGE WILL BE A REPAYMENT MORTGAGE.

OUR RATES ARE ONLY GUARANTEED FOR APPLICATIONS MADE TODAY. WE RESERVE THE RIGHT TO CHANGE OUR PRODUCT RANGE AT ANY TIME.

BUY TO LET MORTGAGES ARE AVAILABLE FOR UP TO 75% OF THE PROPERTY'S VALUE.

THE RATES AND MONTHLY PAYMENTS SHOWN ARE FOR ILLUSTRATIVE PURPOSES ONLY. THIS IS NOT A MORTGAGE OFFER. BEFORE AGREEING A LOAN A CREDIT SEARCH AND FULL APPLICATION ARE REQUIRED AND OUR LENDING REQUIREMENTS MUST BE MET.

OUR MORTGAGE CALCULATOR PROVIDES AN ESTIMATE OF YOUR MONTHLY PAYMENTS BASED ON A SAMPLE OF OUR CURRENT PRODUCT RANGE.

THE MONTHLY PAYMENT QUOTED IS FOR THE 'INITIAL PRODUCT RATE PERIOD' AND DOES NOT INCLUDE ANY MORTGAGE RELATED CHARGES YOU MAY ADD TO YOUR MORTGAGE LOAN. IT ALSO ASSUMES THAT THE MORTGAGE WILL BE A REPAYMENT MORTGAGE.

OUR RATES ARE ONLY GUARANTEED FOR APPLICATIONS MADE TODAY. WE RESERVE THE RIGHT TO CHANGE OUR PRODUCT RANGE AT ANY TIME.

BUY TO LET MORTGAGES ARE AVAILABLE FOR UP TO 75% OF THE PROPERTY'S VALUE.

THE RATES AND MONTHLY PAYMENTS SHOWN ARE FOR ILLUSTRATIVE PURPOSES ONLY. THIS IS NOT A MORTGAGE OFFER. BEFORE AGREEING A LOAN A CREDIT SEARCH AND FULL APPLICATION ARE REQUIRED AND OUR LENDING REQUIREMENTS MUST BE MET.

OUR MORTGAGE CALCULATOR PROVIDES AN ESTIMATE OF YOUR MONTHLY PAYMENTS BASED ON A SAMPLE OF OUR CURRENT PRODUCT RANGE.

THE MONTHLY PAYMENT QUOTED IS FOR THE 'INITIAL PRODUCT RATE PERIOD' AND DOES NOT INCLUDE ANY MORTGAGE RELATED CHARGES YOU MAY ADD TO YOUR MORTGAGE LOAN. IT ALSO ASSUMES THAT THE MORTGAGE WILL BE A REPAYMENT MORTGAGE.

OUR RATES ARE ONLY GUARANTEED FOR APPLICATIONS MADE TODAY. WE RESERVE THE RIGHT TO CHANGE OUR PRODUCT RANGE AT ANY TIME.

BUY TO LET MORTGAGES ARE AVAILABLE FOR UP TO 75% OF THE PROPERTY'S VALUE.

THE RATES AND MONTHLY PAYMENTS SHOWN ARE FOR ILLUSTRATIVE PURPOSES ONLY. THIS IS NOT A MORTGAGE OFFER. BEFORE AGREEING A LOAN A CREDIT SEARCH AND FULL APPLICATION ARE REQUIRED AND OUR LENDING REQUIREMENTS MUST BE MET.

OUR MORTGAGE CALCULATOR PROVIDES AN ESTIMATE OF YOUR MONTHLY PAYMENTS BASED ON A SAMPLE OF OUR CURRENT PRODUCT RANGE.

THE MONTHLY PAYMENT QUOTED IS FOR THE 'INITIAL PRODUCT RATE PERIOD' AND DOES NOT INCLUDE ANY MORTGAGE RELATED CHARGES YOU MAY ADD TO YOUR MORTGAGE LOAN. IT ALSO ASSUMES THAT THE MORTGAGE WILL BE A REPAYMENT MORTGAGE.

OUR RATES ARE ONLY GUARANTEED FOR APPLICATIONS MADE TODAY. WE RESERVE THE RIGHT TO CHANGE OUR PRODUCT RANGE AT ANY TIME.

BUY TO LET MORTGAGES ARE AVAILABLE FOR UP TO 75% OF THE PROPERTY'S VALUE.