The Mortgage Hive calculators
Mortgage & Equity Release Calculators
A premium calculator hub for mortgage payments, borrowing, deposits, LTV, remortgage planning, buy-to-let, equity release and protection conversations.
Start here
The most-used calculators first.
These are the tools most people should start with before viewing the wider calculator library.
Mortgage repayment calculator
Estimate monthly repayments by loan amount, interest rate and term before comparing options.
How much can I borrow?
Get a broad borrowing guide based on income before a proper lender affordability review.
Deposit calculator
Work out deposit size, mortgage amount and purchase budget.
Loan-to-value calculator
Calculate your LTV from property value and mortgage balance.
Stamp duty calculator
Estimate stamp duty and wider purchase cost planning.
Interest-only mortgage calculator
Estimate interest-only monthly payments and compare repayment routes.
Remortgage calculator
Compare your current deal, new rates, fees and monthly payments.
Equity release calculator
Get a broad guide to what may be available before advice and suitability checks.
Protection needs calculator
Estimate cover needs for mortgage, family and income protection.
Full calculator library
Search by situation, product or question.
Filter by buying, mortgage, remortgage, buy-to-let, equity release or protection. Every card links to the correct calculator route.
Mortgage repayment calculator
Estimate monthly repayments by loan amount, interest rate and term before comparing options.
How much can I borrow?
Get a broad borrowing guide based on income before a proper lender affordability review.
Deposit calculator
Work out deposit size, mortgage amount and purchase budget.
Loan-to-value calculator
Calculate your LTV from property value and mortgage balance.
Stamp duty calculator
Estimate stamp duty and wider purchase cost planning.
Interest-only mortgage calculator
Estimate interest-only monthly payments and compare repayment routes.
Mortgage overpayment calculator
Explore how overpayments may reduce the balance, interest or term.
Remortgage calculator
Compare your current deal, new rates, fees and monthly payments.
Rate switch calculator
Compare staying with your current lender against a wider remortgage review.
Early repayment charge calculator
Estimate whether switching early could be affected by an early repayment charge.
Second charge mortgage calculator
Estimate payments on additional secured borrowing secured against your home.
Debt consolidation calculator
Compare monthly cost, risk and term when consolidating borrowing.
Buy-to-let mortgage calculator
Estimate landlord payments, rental cover and mortgage costs.
Rental yield calculator
Work out gross rental yield from rent and property value.
Rental stress test calculator
Estimate rental cover against common buy-to-let stress test logic.
Equity release calculator
Get a broad guide to what may be available before advice and suitability checks.
Lifetime mortgage interest roll-up calculator
Illustrate how rolled-up interest could build over time.
Drawdown lifetime mortgage calculator
Compare taking money upfront with releasing it in stages.
Equity release inheritance impact calculator
Start a conversation around estate value, beneficiaries and inheritance impact.
Voluntary repayment calculator
Explore how optional repayments may affect long-term interest.
Protection needs calculator
Estimate cover needs for mortgage, family and income protection.
Life insurance calculator
Estimate life cover for mortgage debt and wider family needs.
Income protection calculator
Estimate income replacement needs if illness or injury stops work.
Critical illness cover calculator
Estimate lump-sum cover needs for serious illness planning.
Mortgage planning
Use calculators to prepare, not to guess.
Calculators help estimate payments, LTV, overpayments and switching costs, but lender criteria and affordability still decide what is actually possible.
Later-life lending tools
Equity release calculators need context.
These help frame the conversation around release amount, interest roll-up, inheritance impact and voluntary repayments.
Equity release calculator
Get a broad guide to what may be available before advice and suitability checks.
Lifetime mortgage interest roll-up calculator
Illustrate how rolled-up interest could build over time.
Drawdown lifetime mortgage calculator
Compare taking money upfront with releasing it in stages.
Equity release inheritance impact calculator
Start a conversation around estate value, beneficiaries and inheritance impact.
Voluntary repayment calculator
Explore how optional repayments may affect long-term interest.
Protection tools
Turn the mortgage into a protection plan.
These calculators open protection calculator pages, with advice still needed before arranging cover.
Protection needs calculator
Estimate cover needs for mortgage, family and income protection.
Life insurance calculator
Estimate life cover for mortgage debt and wider family needs.
Income protection calculator
Estimate income replacement needs if illness or injury stops work.
Critical illness cover calculator
Estimate lump-sum cover needs for serious illness planning.
Tool finder
Not sure which calculator fits your situation?
Pick the closest route and the hub will point you at the most useful starting tool.
Mortgage repayment calculator
Start by seeing how loan size, rate and term affect the monthly payment.
Advice checkpoint
Need help interpreting the result?
A calculator gives a number. Advice helps you decide whether that number is realistic, affordable, suitable and matched to the right lender or product.
Important information
These calculators provide estimates only and are not personal advice. Mortgage, equity release, secured borrowing and protection options depend on your circumstances, lender or provider criteria, affordability checks and advice.
Equity release is not suitable for everyone, may reduce the value of your estate and may affect entitlement to means-tested benefits. Secured borrowing may put your home at risk if repayments are not maintained. Protection calculators do not guarantee acceptance, cover terms or payout.
Contact The Mortgage Hive before making financial decisions.