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Mortgage Calculators
Work out your repayments, your stamp duty bill, or how much an offset account could save you, all in one place. Our calculators are free to use and give you an instant, no-obligation figure. When you are ready for a full picture, our advisers can talk you through your options.
Live Mortgage Rates
No credit check
Live rates from 90+ lenders
Takes less than 2 minutes
No contact details required for results
Free credit report when you enquire with us
Advice by phone, video or in our Chorley offices
Our calculators
Find out your monthly repayments based on your loan amount, term and interest rate. A good starting point for budgeting your move.
Check your outstanding mortgage balance at any point during your term, useful when you are weighing up overpaying or remortgaging.
Work out the Stamp Duty Land Tax due on your purchase, including first time buyer relief and additional property rates.
See how much interest you could save by offsetting your savings against your mortgage balance.
Model how interest builds up over time on a roll-up basis, often used for equity release and interest-only planning.
Want live rates too? Check our Live Mortgage Rates tool, updated from 90+ lenders with no credit check required.
Frequently asked questions
Are these mortgage calculators free to use?
Yes. All our calculators are free and do not require any personal details or contact information to see a result.
How accurate are the results?
Our calculators give a reliable estimate based on the figures you enter. Your actual mortgage terms will depend on your circumstances and the lender's own criteria, so we always recommend speaking to one of our advisers to confirm exact figures.
Which calculator should I use if I am a first time buyer?
Start with the Stamp Duty Calculator to check if you qualify for first time buyer relief, then the Repayment Calculator to estimate your monthly costs. Our First Time Buyer page covers the full process.
Do I need to speak to an adviser after using a calculator?
Not straight away. The calculators are designed to give you a quick, no-obligation figure. When you are ready to move forward, or if you want to check your figures against real lender products, our advisers are happy to help.
Is Aspect Mortgages independent?
Yes. We are a whole-of-market, FCA regulated broker, meaning we search across 90+ lenders rather than being tied to one provider.
Meet the team
Sue Slack
CeMAP
Mortgage and Protection Adviser
Mark Green
CeMAP
Mortgage and Protection Adviser
Ranveer Bretherton
CeMAP
Mortgage and Protection Adviser
Neil Massam
CERT PFS, CERT CII (MP)
Mortgage, Protection and Equity Release Adviser
Rachel Gill
BA (Hons), CeMAP, CERER
Director and Equity Release Adviser
Richard Gill
BSc (Hons), Adv CeMAP, CERER
Managing Director
Carly Skelding
Operations Manager
Hayley Kirk
Mortgage and Protection Case Manager
Why Choose Aspect Mortgages?
Independent and FCA regulated. We work for you, not for the lender
Whole of market access across 90+ lenders and leading insurers
Family run since 2004 with over 100 years of combined team experience
Local office, national reach. Serving clients across Lancashire, Greater Manchester and nationwide.
Real people, no jargon. Plain English, at your pace
Rated 5 stars across 470+ Google reviews. One of the most reviewed brokers in the North West
Fixed, transparent fee. One flat fee, no surprises.
What our customers say
Rated 5 stars across 470+ Google reviews, one of the most reviewed mortgage brokers in the North West.
Speak to us today
Call us on 01257 812345, or drop us a message and we will call you back
Areas We Cover
Remote advice offered nationwide.
There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £495 for a residential/buy to let mortgage or £1495 for an equity release/retirement mortgage.
Aspect Mortgages Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under FCA reference 305352. The FCA do not regulate Business Buy to Let Mortgages.
As independent advisers we have access to the whole market, except for deals that you can only obtain by going direct to a lender. Registered in England and Wales No: 05103801. 16 St Thomas' Road, Chorley, PR7 1HR.
A Lifetime Mortgage may reduce the value of your estate and could affect your entitlement to benefits. To understand the features and risks please ask us for a personalised illustration.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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