Mortgage calculators
Use the online mortgage calculators to work out how much you might be able to borrow - they only take a few minutes. Find out what your monthly mortgage repayments could look like and see if you can save by making overpayments.
Ready to take the next step?
Complete an agreement in principle (AIP) to continue your mortgage journey.
- Get a better idea of how much you could borrow.
- Check if you could get a Lloyds mortgage before you apply.
- It only takes 10 minutes and won’t impact your credit score.
If you already have a mortgage with Lloyds
Visit our existing customer hub for flexible ways to manage your mortgage.
Help and guidance
Whether you’re buying your first home, moving somewhere else or remortgaging, check out our mortgage help and guidance articles.
Let’s look at the details
-
To get an idea of how much you could borrow, we only need some basic personal information, including your household income and outgoings.
To work out how much your repayments could be, we’ll also need details such as:
- how much the property costs
- how much deposit you are putting down
- the length of your mortgage term.
-
You’ll get an idea of what you might be able to afford when you use the calculators. But we’ll do various checks as part of the AIP application process to give you an even better idea. We’ll look at things like:
- your income and outgoings
- your total deposit
- any other current debts
- your credit score – an AIP will do a soft credit check and a mortgage application will do a full credit check.
Any rates we offer you and how much we will lend you are based on a range of factors linked to your personal circumstances.
-
You'll need to give the lender:
- proof of ID, such as passport or driving licence
- personal bank details
- employment and income history
- details on any debts you have
- how much you spend on bills.
-
Mortgage interest rates are an extra charge you’ll pay when taking out a mortgage. Higher interest rates mean you’ll pay more over the term of your mortgage. How much interest you’ll have to pay each month can depend on the deal you get.
-
These mortgage calculators are designed to help at every stage of the home buying journey. They might be useful for:
- first-time buyers
- anyone moving home
- homeowners looking to remortgage
- buy-to-let property owners
- existing Lloyds customers.
-
No, using a mortgage calculator will not affect your credit score. These tools give estimates based on the details you enter and do not run a credit check. It’s a simple way to work out what you can afford and what your repayments might be before you apply.
Learn more about what affects your credit score.
You may also like
Important legal information