Mortgage calculator
Monthly repayments, stamp duty (sdlt), affordability from your salary, and overpayment savings — using 2026 rates for the UK.
Upfront cost of buying
How this works
Repayments use the standard amortising-loan formula. Overpayment savings are simulated month by month — every extra pound / euro / dollar goes to principal, which cuts the interest base for the rest of the term.
Affordability applies the country's lending guardrails: UK lenders typically cap at 4.5× salary (up to 5.5× for high earners). We also check that your total housing + existing debts stay under 40% of gross monthly income (the tighter of the two wins). Stamp Duty (SDLT) is estimated on the purchase price using 2026 thresholds.
Estimates only. Real offers depend on credit history, stress-test rates and lender policy. mySal is not a mortgage broker.