Edinburgh · Scotland · UK-wide
Four calculators, all free and all built for Scotland rather than adapted from English figures. Work out what you could borrow, what it would cost each month, what Land and Buildings Transaction Tax and the Additional Dwelling Supplement will add to a purchase, and whether a rental property passes a lender's stress test. Every result comes with the assumptions written out, so you can see exactly where the number came from.
Work out how much you could borrow on a mortgage based on income, existing credit commitments and deposit. Free calculator from Edinburgh mortgage advisers Prime Mortgages.
Open calculatorCalculate your monthly mortgage payment on a repayment or interest-only basis, see the total cost over the term, and test what happens if rates rise.
Open calculatorCalculate Land and Buildings Transaction Tax on a Scottish property purchase, including first-time buyer relief and the 8% Additional Dwelling Supplement on second homes and buy-to-let.
Open calculatorWork out the maximum buy-to-let mortgage a property's rent will support, using the lender's interest coverage ratio and stressed rate. For personal and limited company landlords.
Open calculatorOr skip the maths
The Mortgage Finder asks what a first conversation would ask, then an adviser comes back with a real figure rather than an estimate. About sixty seconds, no credit check.
Start the Mortgage FinderCommon questions
They apply the same arithmetic lenders and Revenue Scotland use, but they are estimates rather than quotations. Lenders vary in how they treat bonus, commission, self-employed profit and existing credit commitments, and tax bands change at Scottish Budgets. Use these to get to the right ballpark, then let us give you a real figure.
Because most online calculators use English stamp duty. Scotland charges Land and Buildings Transaction Tax with different bands, a different first-time buyer relief, and an Additional Dwelling Supplement of 8% rather than England's surcharge. Using an English calculator in Scotland gives you the wrong number, sometimes by thousands.
No. Every calculator works without entering an email address. You can optionally have the results sent to you, which is also how you start a conversation with an adviser if you want one.
A twenty-minute conversation will tell you what you can realistically borrow, what it will cost and whether it is worth doing. It is free, and we will tell you honestly if the answer is no.