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

Use our first time buyer calculator, and plan for getting the keys to your first home. Find out:

  • How much deposit you’ll need.
  • What your monthly payments could be.
  • What our current interest rates are.
First time buyer calculator

Home mover calculator

Thinking of moving home? With our home mover calculator you can:​

  • Work out how much you might be able to borrow​.
  • Get an understanding of what your monthly payments could be​.
  • See our current mortgage deals and interest rates​.

You can use this calculator if 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 latest mortgage deals and interest rates​.
  • What your new monthly repayments could be.
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

Interest rate change calculator

Interest 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 calculator Mortgage base rate calculator

Mortgage overpayment 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

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

Mortgage Calculator FAQs


  • We have several mortgage calculators that all do different things. If you have a UK mortgage, they can help you get an idea of how much your monthly repayments might be. They can also help you work out how much you might be able to borrow, and more.

  • 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.

    To use our first time buyer calculator, you’ll just need some basic personal information. This includes the household income and outgoings of those buying the house.​

    To use our other mortgage calculators, you’ll need some details of your current mortgage. Depending on the calculator, this can include how much the property is worth, how much you have left to pay and the length of the term.

  • 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 mortgage. 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. Try our Eco Home Tool for tips and suggestions on how to make your home more sustainable. Or use our conveyancing service to get quotes for your legal costs.

Eco home tool

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 tool Eco home tool

Lloyds Bank conveyancing service

Lloyds Bank conveyancing service

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

Compare quotes Lloyds Bank conveyancing

Need to speak to someone?​

You can talk to us over the phone or use our mortgage video service from the comfort of your own home.​

Contact us Contact us