About MortgageToolset
Our Mission
MortgageToolset was created with a simple but important purpose: to give UK homebuyers and property investors free access to accurate, easy-to-use mortgage calculators and expert educational content. We believe that understanding the financial implications of a mortgage should not require an appointment with a financial adviser or navigating confusing, ad-cluttered comparison sites. Our tools are designed to be straightforward, transparent, and genuinely useful.
The UK property market can feel overwhelming, especially for first-time buyers facing the largest financial commitment of their lives. Jargon, complex mathematics, and a dizzying array of mortgage products create barriers to informed decision-making. MortgageToolset breaks down these barriers by providing clear calculators that show you the numbers and comprehensive guides that explain the concepts in plain English. Every tool and article on this site is designed to help you make better-informed decisions about your mortgage and property finances.
What We Offer
Our suite of tools covers the key calculations that every property buyer and homeowner needs. The mortgage repayment calculator shows monthly payments and amortization schedules. The stamp duty calculator covers all buyer categories with band-by-band breakdowns. The affordability calculator estimates borrowing capacity. The overpayment calculator reveals the powerful savings of paying more than the minimum. And the buy-to-let calculator helps investors evaluate rental property returns.
Alongside our calculators, we publish detailed guides on topics including the complete first-time buyer process, when and how to remortgage, and a thorough comparison of every UK mortgage type. All content is researched, reviewed, and regularly updated to reflect current market conditions, rates, and regulations.
Accuracy First
Our calculators use the same mathematical formulas used by mortgage lenders. We regularly verify our results against industry tools to ensure accuracy.
No Data Collection
We do not require email addresses, phone numbers, or personal details to use our calculators. Your data stays on your device.
Always Free
Every calculator and guide on MortgageToolset is completely free to use. We are supported by advertising, not by selling your information.
UK-Focused
Our content is written specifically for the UK market, covering SDLT rates, FCA regulations, and products available from UK lenders.
Important Disclaimer
MortgageToolset provides information, calculators, and educational content for general guidance purposes only. We are not regulated by the Financial Conduct Authority and do not provide financial advice. The information on this site should not be treated as a substitute for specific advice from a qualified mortgage adviser or independent financial adviser. Mortgage products, rates, tax rules, and regulations change frequently — always verify current rates and rules with your lender, broker, or HMRC before making financial decisions.
Our calculators provide estimates based on the figures you enter. Actual mortgage offers from lenders will depend on their individual affordability assessments, your credit history, the specific property, and prevailing market conditions at the time of application. We recommend speaking to a qualified mortgage broker who can search the whole market and provide tailored advice for your circumstances.
If you have questions, feedback, or suggestions for improving our tools, we would love to hear from you via our contact page.