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.   

Mortgage calculator

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:

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.

Remortgage calculator

If you don’t already have a Halifax mortgage, you can use our remortgage calculator to see if we can find a better deal for you. Simply enter your existing mortgage details and we’ll take care of the rest.

Remortgage calculatorLink to the remortgage calculator

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