Mortgage Calculators

Knowing what you can and cannot do when it comes to a mortgage is a lot easier with John Charcol's mortgage calculator.  Our UK online mortgage calculators are designed to help you work out how much you can borrow, and to consider different monthly mortgage payments. Find out how much you could save by using a re-mortgage calculator or using flexible mortgage facilities, and use our online mortgage calculator to see if you might be better suited to particular types of mortgage.  A mortgage calculator is a great way to start your own research so you have an idea what is available to you.

Once you have used a mortgage calculator, why not call one of our independent mortgage advisers who, dare we say, are all the mortgage calculators rolled into've guessed it...superb mortgage calculator.

Charcol's Mortgage Calculators

Borrow amount mortgage calculator

Find out how much you might be able to borrow.  This mortgage calculator looks at your income and works out how much money a mortgage lender will provide you.  This mortgage calculator is based on a generic income multiplier, so the mortgage calculator may not show the largest amount you can borrow. 

After you have used this mortgage calculator why not check with one of our advisers precisely how much you can borrow.

Loan cost mortgage repayment calculator

Calculate your monthly payments for a particular loan amount and interest rate using this mortgage calculator.

Loan saving mortgage calculator

Using this mortgage calculator will show you how much you could save by remortgaging.

Flexible mortgage calculator

Work out how flexible payment options might save you money with our flexible mortgage calculator.

What mortgage calculator

This mortgage calculator helps you to decide what type of mortgage and mortgage features you may wish to have.  It shows which particular mortgage product you may favour, if you require flexible mortgage features and whether you should completely avoid early repayment charges.

Once you know what you are looking for you can speak to one of our experts.


A missing Mortgage Calculator?

John Charcol is always looking to develop new mortgage calculators.  If there is a mortgage calculator that you cannot see here but you think would be useful, then please do let us know.  Our first mortgage calculator - the how much can you borrow mortgage calculator - was launched way back in 1999, and we have developed many mortgage calculators since then. 

So, if you have an idea for a new mortgage calculator, so let us know by filling in the form below.

Mortgage Calculator Form


Terms & conditions

Our charges are based on two considerations: the loan amount and the complexity of your individual circumstances. We will provide you with a free initial consultation and we will always explain exactly what you will be charged before you choose to  proceed with an application. As we offer a bespoke service our charges can vary. Our minimum fee is £495, (of which a non-refundable £150 is payable when you make a formal mortgage application). The average fee paid by our clients over the last year was 0.24% of their loan value. (For example, if your loan amount is £300,000 our average fee would be £720). If your circumstances are more complex we may charge a higher fee. Our maximum fee is 1.5% of the loan value. (For example, if your loan amount is £300,000, our maximum fee will be £4,500).

These fees apply to all regulated mortgages. Certain mortgages, primarily most buy to let and commercial mortgages, are not regulated. Fees for non-regulated mortgages can vary depending on your requirements and circumstances. Please contact us directly for more guidance.



John Charcol is a trading name of John Charcol Limited and its Appointed Representatives. John Charcol Limited is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 665649. Registered in England No. 9157892. Registered office address for John Charcol Limited is 5th Floor, Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU.

The FCA does not regulate some investment mortgage contracts.

Calls may be recorded for training and monitoring.