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

First time buyer calculator

Looking to buy your first property and haven’t been named on a mortgage before? A first-time buyer mortgage could be the right option for you. For joint applications, you can apply 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 our mortgage options and what your monthly payments might look like.

Home mover calculator

Remortgage calculator

If you have a mortgage with a different provider, moving to a Halifax mortgage could save you money on your monthly repayments. Enter some details about your current mortgage into our remortgage calculator to see what mortgage deals we have.

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 Switch to a new deal

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

FAQs

  • 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.

    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, you can use all our mortgage calculators safe in the knowledge that your credit score won’t be affected. We don’t do any credit checks at this stage as the calculators are just to give you an idea of what your repayments might be. If you apply for a mortgage, then we will do a hard credit check - this may affect your credit score.

Our other calculators and tools

Overpayment calculator

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

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 change calculator

Home Energy Saving Tool

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

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