Mortgage calculators

Our mortgage calculators 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, just enter some information about your current income, regular outgoings and where you’re up to in your mortgage journey.    

 

First time buyer calculator

Looking to buy your first home? Use our mortgage calculator to work out how much you could borrow towards your first property. It takes around two minutes and doesn’t impact your credit score.

First time buyer calculator

Home mover calculator

Ready to move home? Use our home mover calculator to find out more about your mortgage options and see what your monthly repayments might look like.
 

Home mover calculator

Remortgage calculator

Got a mortgage with a different provider? See if you could save money on your monthly repayments by making the move to a Halifax mortgage.

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 work out some of the costs using our calculator. You'll need your mortgage account number to hand.

Borrowing more calculator Borrowing more calculator

Buying another home calculator

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

Buying another home calculator Buying another home calculator

Buy to Let mortgages

Are you buying or remortgaging a buy to let property? Or do you already have a buy to let mortgage with us? If so, you can view our interest rates to find the best deal for you.

View our Buy to Let rates

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

Questions about our mortgage calculators

  • How much you can borrow for your mortgage depends on various factors. Lenders will do an affordability assessment that looks at things such as:

    • your income, e.g. salary, bonuses, benefits
    • existing debts and bill payments, e.g. credit cards, loans, store cards
    • any other outgoings and financial commitments, e.g. childcare, commuting costs
    • how much deposit/equity you have
    • your credit rating.

    If you’re buying a house with another person, a lender will usually take their income into account when deciding how much you can borrow. Our mortgage calculators can give you a rough idea of how much you could borrow for your mortgage. Getting an agreement in principle from a lender will give you a more accurate idea of how much they could be willing to lend you.

    When applying for a mortgage, lenders will usually make sure you’ll be able to make repayments even if interest rates were to increase.

  • To assess your affordability for a mortgage, a lender will usually ask for proof of your income and any living expenses they need to consider. We’ll accept certain foreign currencies when calculating your mortgage affordability. These are US dollars, euros, Australian dollars, Indian rupees and Swiss francs.

    They’ll also run a credit check to see if they’re happy you’ll be able to keep up your mortgage payments. The lender may ask you for supporting documentation during this stage. This can include proof of ID, address and income, and any extra information that 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, essentially, how much it costs to borrow money from a lender to buy a property. The higher the interest rate, the higher your monthly mortgage payments are likely to be.

    The type of mortgage you have will determine the type of interest you pay. Fixed-rate mortgages generally come with a higher interest rate, while a variable mortgage will usually be lower but have no guarantee of your interest rates staying at this rate. With an interest-only mortgage, your monthly payments only pay the interest earned on the amount you borrowed. You don’t pay back any of the loan itself. The full loan must then be paid back at the end of the term.

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

  • No, our online mortgage calculators won’t affect your credit score. We don’t do any credit checks at this stage as the calculators just give you an idea of what your repayments could look like. If you apply for a mortgage with us, we will then do a full credit check, which may impact your score.

Our other calculators and tools

Overpayment calculator

  • Calculate how overpaying on your mortgage could reduce the overall interest.
  • Work out how much you could save by overpaying.

You can use our calculator even if you have a mortgage with another lender.

Overpayment calculator

Interest rate change calculator

  • Work out how a change in interest rate could affect your monthly payment.
  • Find out the steps you can take if your monthly payment changes.
Interest rate calculator

Home Energy Saving Tool

  • Get a personalised action plan and tips to make your home more energy-efficient.
  • We'll estimate how much the improvement could save you in the end.
Home Energy Saving Tool

Halifax Conveyancing Service

  • Choose from up to 200 conveyancers to carry out the legal work for you.
  • Compare costs, locations and service ratings to help you make the right decision.
Halifax Conveyancing Service

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Your next steps

Know how much you want to borrow? Take the next steps on your mortgage journey with our options below.

Mortgage Agreement in Principle.

Mortgage appointment options.

Existing customer support.

Want to learn more about mortgages?

Explore our mortgage help guides to find out more about the home buying process.

How to apply for a mortgage.

Mortgage deposits explained.

Am I eligible for a mortgage?