Monthly Repayment
Estimate monthly payments and total interest over the term.
£180,000
£
4.5%
%
25 years
5 years40 years
Monthly Payment£0
Total Interest£0
7 free tools
Mortgage calculators for Scotland
Run the numbers before you start house-hunting. Every calculator reflects Scottish rules — including LBTT and the Additional Dwelling Supplement. Results are indicative only.
Affordability Check
See an indicative borrowing range from income and deposit.
£35,000
£
£20,000
£
Max Borrowing
£0
4.5x income
Max Property Price
£0LBTT Calculator
Work out Land and Buildings Transaction Tax, including ADS.
£200,000
£
LBTT Due£0
£0 - £145,000£0
£145,000 - £250,000£1,100
LTV & Deposit
Find your loan-to-value and the deposit a price implies.
£200,000
£
£20,000
£
Loan-to-Value (LTV)
0.0%High
0%50%100%
Loan Amount
£180,000
Deposit
10.0%
Overpayment Savings
See how overpaying cuts interest and shortens the term.
£180,000
£200/mo
Interest saved£27,144
Years shaved off5.2 yrs
New payoff dateMar 2043
ERC status✓ Within limit
Remortgage Compare
Compare your current deal against a new rate.
Monthly saving£114/mo
Current monthly£1,101
New monthly£987
Break-even13.1 months
2-year net saving£1,239
5-year net saving£5,346
Buy-to-Let Yield
Estimate rental yield and monthly position for a let.
£250,000
IO payment£750/mo
Gross yield5.76%
Net yield1.44%
Monthly cash flow£300/mo
LTV75.0%
Stress test (5%/145%)✓ Passes
Needs £1,133/mo · You have £1,200/mo
Scottish PRT rules apply · BTL rental income is taxable · Seek professional tax advice
These calculators provide estimates for general guidance and are not a mortgage offer or regulated advice. Lenders assess affordability against their own criteria. Confirm any figures with a qualified mortgage adviser before making decisions.
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