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Home Buyer Mortgage Calculators

Use these home buyer mortgage calculators to estimate your mortgage payments, get an idea of how much you might be able to borrow and plan your home purchase effectively. These calculators are designed specifically for home buyers. For buy-to-let calculations, please use the Buy to Let Mortgage Calculators tab.

Purpose of Calculators
The mortgage calculators provided on this website are for informative purposes only and are intended to offer a general guide to potential mortgage costs. The results generated by these calculators are estimates based on the information you provide and do not constitute financial advice.

Variability of Mortgage Rates
Please note that actual mortgage rates, terms, and conditions may vary and are subject to change. We recommend consulting with a qualified financial adviser or mortgage broker to obtain personalised advice tailored to your specific financial situation.

Accuracy and Reliability
While we strive to ensure the accuracy and reliability of the information provided, we do not guarantee its completeness or suitability for your individual needs. By using these calculators, you acknowledge and agree that we are not responsible for any decisions you make based on the results obtained.

How Much Can You Borrow?

Use our affordability calculator to determine how much you may be able to borrow based on your income and expenses.
Check How Much You Can Borrow - Free Mortgage Calculator & Loan Eligibility

Basic Information

£
Employed: gross annual salary. Self-employed: Annual net profit
£
Annual amount of benefits/other income, if any
£
If you have any loans, enter the total monthly amount.

£

Mortgage Payment Calculator

Estimate your monthly mortgage payments with our mortgage payment calculator, including principal and interest.
Mortgage Payment Calculator

Basic Information

£
Mortgage loan amount
£
Enter the mortgage term (1 - 40 years)
£
If the exact rate is not known, please search online "Bank of England base rate", add 0.50 to it, and enter here.

£

Stamp Duty Calculator

Click here to quickly estimate your stamp duty. Enter your property details for an instant result.

Mortgage Eligibility Checker: 2 Easy Steps - FREE Check

Start by filling out a simple questionnaire to help us find a mortgage deal that suits your needs. Our experts will assess your information and contact you to discuss what might be the best options. We don't charge for questions or eligibility checks. For assistance, call 0800 061 4173 or email us. Trust ZAS to guide you through the process and find the right mortgage deal for you.
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What is the mortgage for?

Buy to Let Mortgage Calculators

Use these buy to let mortgage calculators to estimate your mortgage payments, determine how much you can borrow, and plan your buy-to-let investment effectively. These calculators are designed specifically for buy-to-let properties. For home buyer calculations, please use the Home Buyer Mortgage Calculators tab.

Purpose of Calculators
The mortgage calculators provided on this website are for informative purposes only and are intended to offer a general guide to potential mortgage costs. The results generated by these calculators are estimates based on the information you provide and do not constitute financial advice.

Variability of Mortgage Rates
Please note that actual mortgage rates, terms, and conditions may vary and are subject to change. We recommend consulting with a qualified financial adviser or mortgage broker to obtain personalised advice tailored to your specific financial situation.

Accuracy and Reliability
While we strive to ensure the accuracy and reliability of the information provided, we do not guarantee its completeness or suitability for your individual needs. By using these calculators, you acknowledge and agree that we are not responsible for any decisions you make based on the results obtained.

Buy to Let - How Much Can You Borrow?

Use this calculator to estimate the amount you can borrow for a buy-to-let mortgage. Simply input your details to get an idea of your borrowing capacity and plan your investment accordingly.
Buy to Let - How Much You Can Borrow Calculator

Basic Information

£
Property purchase price or value
£
Monthly rent (received or expected) for this property only
%
If you don't know the exact interest rate, please search online for 'Bank of England base rate,' add 0.50 to that, and enter here.
Tax Status
Are you a basic rate (20%) taxpayer or a higher rate (40%) taxpayer?

£

£

£

£

Buy to Let Mortgage Payment Calculator - Interest Only

Estimate your monthly interest-only mortgage payments with this calculator. An interest-only mortgage means you only pay the interest on the loan each month, not the principal amount.
Buy to Let Mortgage Payment Calculator - Interest Only

Basic Information

£
Property purchase price or value
£
%
If you don't know the exact interest rate, please search online for 'Bank of England base rate,' add 0.50 to that, and enter here.

£

Buy to Let Mortgage Payment Calculator - Repayment

Calculate your monthly repayment mortgage payments with this tool. A repayment mortgage means you pay both the interest and a portion of the principal amount each month, gradually reducing your loan balance.
Buy to Let Mortgage Payment Calculator - Repayment

Basic Information

£
Mortgage loan amount
£
Please chose between 1 - 35
£
If you know the interest rate, enter it. If not, search online 'Bank of England base rate,' add 0.50, and enter the result."

£

Buy to Let Stamp Duty Calculator

Click here to determine the stamp duty you'll need to pay on your buy-to-let property purchase. Simply enter the property price to get an accurate estimate of the stamp duty costs.

DISCLAIMER :

ZAS Mortgages & Protection Limited is Authorised and regulated by the Financial Conduct Authority (FCA reg.992843). The company is registered in England (Reg  12383115 ). Our registered office address is 555 Alfreton Road, Nottingham, NG7 5NJ. Contact No 0800 061 4173. E-mail: info@zasmortgages.co.uk

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU RE-MORTGAGE.

ALL MORTGAGES ARE SUBJECT TO STATUS AND LENDER CRITERIA. MOST BUY TO LET MORTGAGES ARE NOT REGULATED.

A PROTECTION PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME, AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE AND YOU MAY NOT BE COVERED IF A CLAIM IS MADE.

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