Mortgage calculators & tools

Our mortgage calculators and tools are designed to help make things easier for you. They’ll give you an idea of how much you could borrow and see how changes to your mortgage could affect your repayments. 

To use our mortgage calculators, all you need to do is provide some information about your current income, regular outgoings and where you are up to in your mortgage journey.   

Our mortgage calculators

With just a few quick questions, our online mortgage calculator will give you an idea of how much you could borrow, show your mortgage rates and compare monthly payments. It’s free to use and there are no credit checks involved.

Let's start by getting you to the right place:

First time buyer calculator

If you’re looking to buy your first property and you haven’t been named on a mortgage before, then a first time buyer mortgage could be the right option for you. For joint applications, you’ll be eligible if at least one of you is a first time buyer. Use our first time buyer calculator to start the journey to your first home.

First time buyer calculator

Home mover calculator

If you’re ready to move home and you’re looking for a new mortgage deal, our home mover mortgage should suit your needs. You can use our home mover calculator to find out more about the mortgage options available to you and what your monthly payments might look like.

Home mover calculator

Remortgage calculator

If you have a mortgage with a different provider and are thinking of moving your mortgage to us, then remortgaging could be the right choice for you. Use our remortgage calculator by entering information about your current mortgage to find new deals to suit your needs.

Remortgage calculator

Switching your mortgage

If your existing Halifax mortgage is coming to the end of its term, you might like to switch to a new deal. You'll need to have your mortgage account number to hand.

Switch your mortgage

Borrowing more calculator

If you want to borrow more on your mortgage you can calculate some costs here. You'll need your mortgage account number to hand.

Borrowing more calculator

Buying another home calculator

Already own a home and looking to buy an additional property for yourself that won’t be rented out (buy to let)? Use our calculator to find out more about the mortgage options available to you.

Buying another home calculator

Buy to Let mortgages

If you’re buying or remortgaging a buy to let property or you already have a buy to let mortgage with us, you can view our interest rates to find the best deal for you.

You could lose your home if you don’t keep up your mortgage repayments


  • The amount you can borrow for your mortgage depends on a number of factors, these include; your salary, bill payments, any additional outgoing payments including examples such as student loans or credit card bills.

    These factors are taken into consideration when a mortgage lender calculates how much they could ideally lend you for a mortgage.

    Interest rates are also a consideration and in most cases mortgage lenders will ensure you will still be able to repay the amount you borrow if interest rates were to increase. Our mortgage calculators can give you a rough idea of how much you could borrow for your mortgage by taking the above factors into consideration.

  • If you are looking to buy a property, you will need to have a deposit which is essentially money that you have saved that will go towards the cost of the property.

    In most cases, the larger the deposit contribution you make, the lower your interest rate could be. The amount of deposit you are required to have saved before you purchase a property depends on a number of factors, such as the type of mortgage you are looking to get and your own financial circumstances.

    You can use our mortgage calculators to get an estimate of the deposit amount you’ll need, to purchase the property you have in mind. 

  • In order to assess your affordability for a mortgage, a lender will typically ask for proof of your income as well as any living expenses they need to consider.

    They will then run a credit reference check to ensure you will be able to maintain the mortgage payments and the lending amount is correct for you. You may be asked for supporting documentation during an affordability assessment such as your proof ID, proof of address, proof of income and any additional information which may support your application.

    You can use our mortgage calculators to see roughly how much you could borrow – they’re free to use and there are no credit checks made.

  • Mortgage interest rates are the additional cost associated with borrowing from a lender to buy a property. Essentially, the higher the interest rate, the higher your monthly mortgage payments are likely to be.

    The type of mortgage you choose will determine the type of interest you can expect to pay, whether this is a Fixed-rate or Variable mortgage. Fixed-rate mortgages generally come with a higher interest rate, whilst a Variable mortgage will be lower with no guarantee of your interest rates not rising.

    Our mortgage calculators will show what mortgage rates are available to you and let you compare the monthly payments.

Our other calculators and tools

We have other calculators and tools to help you manage your mortgage. Try our mortgage overpayment calculator and rate change calculator.

Buying a new home? Our location finder tells you more about the local area. The conveyancing service will give you quotes for your legal costs.

Overpayment calculator

This shows how overpaying on a mortgage could save you money. You could reduce the amount of interest and you could pay off your mortgage faster.

You can use this even if you have a mortgage from another lender.

Mortgage overpayment calculator

Rate Change calculator

See how a change of interest rate could affect your monthly payment.

Rate Change calculator

Home Energy Saving Tool

Ever wondered how energy efficient your home is or need tips and suggestion on where improvements can be made?  Then our home energy saving tool can help.

Home Energy Saving Tool

Halifax Conveyancing Service.

Compare quotes for your legal costs from our panel of up to 200 conveyancers.

Halifax Conveyancing Service

Location Finder

Moving home? Use our Location Finder to find out about your new area and help make finding your new home easier.

Location Finder