Mortgage Tools
Free tools to help you plan your property purchase
Use our comprehensive mortgage calculators to understand affordability, plan your finances, and make informed decisions about your property purchase or investment.
Plan Your Mortgage with Confidence
Our calculators provide instant estimates to help you understand how much you can borrow, what your repayments might look like, and all the associated costs. While these tools give you a great starting point, they're no substitute for professional advice tailored to your unique circumstances.
Why Use Our Calculators?
- ✓Get instant estimates without obligation
- ✓Plan your budget before viewing properties
- ✓Understand all associated costs upfront
- ✓Compare different scenarios quickly
- ✓Free to use, no registration required
"These calculators are brilliant for initial planning, but remember — every situation is unique. Once you've got your estimates, let's talk. We can factor in things calculators can't, like specialist income, complex employment, or your credit profile to match you with the right lender."
— The Domus Finance Team
Important Note: Calculator results are estimates only. Actual borrowing amounts depend on full assessment.
Choose Your Calculator
Affordability Calculator
Find out how much you could potentially borrow based on your income, expenses, and deposit. Get an instant estimate to help you plan your property search.
- Income-based calculations
- Include all household earnings
- Factor in existing debts
- Instant borrowing estimate
Amortisation Calculator
Plan your loan repayment schedule and see exactly how your payments break down between principal and interest over time.
- Detailed payment breakdown
- See interest vs principal
- Calculate overpayment savings
- Full amortisation schedule
Stamp Duty Calculator
Calculate exactly how much stamp duty tax you will need to pay on your UK property purchase, including first-time buyer relief.
- Up-to-date tax rates
- First-time buyer relief
- Additional property surcharge
- Regional variations included
Cost of Buying Calculator
Get a complete picture of all the costs involved in buying — and selling — your home. Covers stamp duty, solicitor fees, surveys, removals, and more.
- First-time buyer & home mover
- Inline stamp duty calculation
- Sale costs for home movers
- Editable cost estimates
BTL Max Loan Calculator
Calculate the maximum buy-to-let mortgage you can borrow based on your expected rental income and lender criteria.
- Rental income calculations
- ICR (Interest Coverage Ratio)
- Portfolio landlord options
- Multiple lender criteria
BTL Min Rent Calculator
Find out the minimum rent required to secure your desired buy-to-let mortgage loan amount based on lender requirements.
- Minimum rent requirements
- Stress test calculations
- Portfolio considerations
- Lender-specific criteria
Need Help Interpreting Your Results?
Calculator results giving you questions? That's completely normal. Mortgage affordability isn't just about numbers - it's about your whole financial picture, future plans, and finding solutions that work for your unique situation.
Calculators Can't Factor In:
- •Complex income (self-employed, contractors)
- •Specialist lender criteria and exceptions
- •Credit history considerations
- •Future income changes or life plans
We Can Help You:
- •Get accurate borrowing figures for your exact situation
- •Find lenders that accept complex income sources
- •Navigate credit issues or unusual circumstances
- •Plan ahead for life changes and future remortgages
Ready to Turn Estimates into Reality?
Book a free, no-obligation chat with us. We'll review your calculator results, explain your real-world options, and help you understand what's actually achievable for your circumstances.
Free consultation • No obligation • Plain English advice