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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.
Apply for an agreement in principle
An agreement in principle (AIP) gives you a better idea of how much you could borrow. Complete an AIP before you do your mortgage application to check you could get a Lloyds mortgage. It won’t impact your credit score and only takes around 10 minutes to complete.
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
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The mortgage calculators are free and easy to use. Whether you want to work out how much you could borrow or what your repayments may be, the online calculator tools can help.
You can also use the calculators for more specific mortgage queries, such as:
- remortgaging
- overpayments
- interest rate changes
- borrowing more
- switching your deal
- buying a second home.
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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.
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How much you can borrow will depend on your circumstances. Before making you a mortgage offer, lenders look at various factors to see how reliable you are financially.
A lender will consider:
- your income
- your total deposit
- your monthly bills
- current debt
- current loan or other mortgage repayments
- your credit rating.
Want to get an idea of how much you could borrow? Apply for an Agreement in Principle to see what we could lend you.
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You’ll need to give a lender:
- proof of ID, such as a passport or driving licence
- personal bank details
- employment and income history
- details on any debts you have
- how much you spend on bills.
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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.
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