Residential Mortgage Calculators
Determine Your Residential Mortgage Affordability.
Buying a home is one of the most significant financial decisions you’ll ever make. Whether you’re stepping onto the property ladder for the first time or considering a move, it’s essential to understand how much you can afford.
Our mortgage calculators offer general insights into your borrowing potential, monthly repayments, and any associated Stamp Duty costs.
Mortgage Affordability Calculator
Our borrowing calculator is designed to help you work out how much you can borrow, whether you are a first-time buyer or a home mover.
Please note this is only an estimate and can vary based on the lender and your individual situation.
To get a more accurate quote, we suggest you speak to one of our advisers. They can guide you in making an informed decision that is right for you.
How much can you borrow?
You could borrow £ – –
To buy a property worth £ – –
Repayment Calculator
Repayments are calculated by the size of your mortgage, the interest rate set by your lender, and the term length.
We can provide you with an estimated repayment amount. For a more accurate figure, you would need to speak to one of our advisers who will review your monthly income and expenses.
If you seek assistance in finding the mortgage that suits your needs, we suggest you speak to one of our advisers.
How much will you need to repay monthly?
Your monthly payment could be: £ – –
Stamp Duty Calculator
If you are purchasing a property use our Stamp Duty calculator to work out if you will incur stamp duty, and if so, how much. It’s important to factor these additional costs into your budget when you’re considering your affordability.
Our calculator has been updated to reflect the latest residential Stamp Duty Land Tax changes from 23rd September 2022.
What will your Stamp Duty be?
First-time buyer
Your stamp duty as a first-time buyer would be: £–
Moving home
The stamp duty on your new property would be: £–
Buying an additional home
Stamp duty on an additional home would be: £–
Why Kerr & Watson?
Understanding
We take the time to understand your situation so that we can search for the perfect mortgage and insurance for you. Any recommendation made is completely bespoke to your circumstances.
Experience
Mortgage and insurance advice is our speciality. We have decades of combined experience giving us the knowledge to overcome challenges and find the perfect solution for your needs.
Communication
We work around your schedule to arrange a mortgage or insurance policy that suits your needs. You’ll be kept updated throughout the entire process with clear communication so you’ll always know what’s going on.
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