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Mortgage calculators and tools

Make your mortgage work for you

Compare, calculate and plan with our simple online tools

Whether you're a new customer or already have a mortgage with us, our handy calculators and tools can help you find the right mortgage for you.

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    Thinking of taking out a new mortgage with us? Get an indication of how much you could borrow with this calculator by simply answering a few questions about your income and monthly outgoings.

  • Compare our mortgages

    If you're buying your first home, moving your mortgage to us, or moving home, use our calculator to see our latest mortgage rates and how much it could cost.

  • Apply online for a mortgage. Find out more. Opens in a new window

    You can get a no obligation decision in principle in minutes. Then apply online if you're comfortable choosing your mortgage without receiving advice from us.

  • Mortgage Transfer Service

    Is your current mortgage deal with us coming to an end? Compare all the deals available to you and submit a transfer request from the comfort of your own home.

  • Changes to my existing mortgage

    Estimate how much your mortgage payments with us could be if you changed your term; repayment method; or both. You can also look at how changes to your interest rate might impact your payments.

  • If you want to reduce your monthly payments or pay your mortgage off sooner, making an overpayment to your mortgage may help you do this. See how this could affect your mortgage by using this calculator.

  • Thinking of borrowing more on your mortgage? See whether you could get an additional loan, how much extra you could borrow and our latest rates with this additional loans calculator.

  • Budget planner

    Use our simple budget planner to help you work out what you spend each month if you're thinking of taking out a new mortgage with us.



All applications are subject to status and our lending criteria. This means that the amount we will lend you will depend on your individual circumstances, the type of property and the amount you borrow. For example, we may require a higher deposit if you are buying a flat or a new build property.

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website Santander and the flame logo are registered trademarks.