Mortgage calculators and tools

Use our mortgage calculators and tools to understand how much you may be able to borrow. Learn what your monthly mortgage repayments could be and if you could save by making overpayments.

Mortgage calculators

First time buyer calculator

Looking to buy your first home? Use our first time buyer calculator to understand how much deposit you'll need, what your monthly payments might look like and our current interest rates, to help you plan for getting the keys to your first home.

First time buyer calculator

Home mover calculator

Thinking about moving home? With our home mover calculator you could find a mortgage deal to suit your needs and get a clear understanding of what your monthly payments might look like, whether you're an existing customer or new to Lloyds Bank.

Home mover calculator

Remortgage calculator

Are you looking to remortgage to Lloyds Bank? Our remortgage calculator is designed to show you our mortgage deals which might suit your needs better. Simply tell us about your current mortgage to see if remortgaging to us is the right option for you.

Remortgage calculator

Switching your mortgage

Is your existing Lloyds Bank mortgage deal coming to an end? There might be a better deal for you to switch to. Find out which deals we have available to suit your needs - you'll need your mortgage account number to hand.

Switching your mortgage

Borrowing more calculator

Are you thinking about borrowing more on your existing Lloyds Bank mortgage? Use our borrowing more calculator to see if this is the right option for you. You'll need your mortgage account number to hand.

Borrowing more calculator

Buying another home calculator

Are you looking to buy a second property which won't be rented out? You can use our calculator to find out what your monthly payments and mortgage options might look like.

Buying another home calculator

Buy to let mortgages

If you have a buy to let mortgage with us already or you're looking to remortgage, you can see our current rates to understand which deal might suit you best.

Buy to let current rates

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

Mortgage Calculator FAQs


  • How much you could borrow will depend on your circumstances. A lender will look at factors before deciding whether to offer you a mortgage. They’ll want to be sure you can pay back anything you do borrow in the future. A lender will consider:

    • Your income.
    • Your total deposit.
    • Your monthly bills.
    • Current debt. 
    • Current loan or other mortgage repayments. · 
    • Your credit rating. 

    Use our mortgage calculator to work out how much you might be able to borrow

  • Your lender will look at lots of factors before offering a mortgage. They’ll want to be sure you can pay back any money you borrow. 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. 
    • Your credit rating.
  • 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 will depend on the deal you get: ·

    • Fixed-rate mortgages. A fixed-rate mortgage means your interest rate will stay the same for the term of the deal. · Variable-rate mortgages.
    • A variable-rate mortgage can change month to month, so you won’t always pay the same amount.

    You can use our mortgage interest rate calculator to work out how much interest you might pay.

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, or our eco home tool for tips on how to make your home more sustainable. The conveyancing service will give you quotes for your legal costs.

Rate change calculator

Mortgage interest rates might sometimes go up or down, but you’ll always know where you stand with your monthly payments.

Rate change calculatorMortgage base rate calculator

Mortgage overpayment calculator

Like paying things off quicker? Find out how early you could clear your mortgage, and how much interest you could save, by making regular or one-off overpayments.

Overpayment calculator

Eco home tool

Ever wondered how energy efficient your home is or need tips and suggestions on where improvements can be made? Then our Eco Home Tool can help.

Eco home toolEco home tool

Lloyds Bank conveyancing service

Compare up to 200 quotes for your legal costs from our panel of conveyancers.

Compare quotesLloyds Bank conveyancing

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

Calls may be monitored or recorded to help us improve our quality of service.