Mortgage Calculator

Know your numbers
before you offer.

Instant mortgage estimates based on current UK rates. See your monthly payments, LTV tier, and affordability — then connect with a whole-of-market broker for your Decision in Principle.

Your details
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Get your Decision in Principle

A DIP (also called an AIP) takes 10–15 minutes online, uses a soft credit check that does not affect your score, and shows sellers you are a serious buyer. These are whole-of-market brokers — they search every lender, not just one bank.

Habito
Whole-of-market online broker. Free to use, Decision in Principle in minutes.
Free · Online
L&C Mortgages
UK's largest fee-free mortgage broker. Expert advice on 1000s of deals.
Fee-free · Expert advice
Molo Finance
Instant online mortgages. Real-time underwriting, same-day offers.
Instant decision
Better.co.uk
Digital-first mortgage lender. Apply online, no broker fee.
No broker fee
Important: This calculator provides indicative estimates only and does not constitute financial advice. Mortgage offers are subject to lender eligibility, full credit assessment, property valuation, and individual circumstances. Rate assumptions are based on current UK market averages and change daily. Always seek advice from an FCA-regulated mortgage broker before making financial decisions. Terravo is not an FCA-regulated firm and does not provide mortgage advice.
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