The Mortgage Ledger

United Kingdom

United Kingdom mortgage tools

Fixed deals, SVR, Stamp Duty / LBTT / LTT — England, Scotland, Wales, NI.

Mortgage calculator

Your monthly payment, broken down line by line.

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Affordability calculator

What lenders may offer, using income multiples and the FCA stress test.

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Remortgage calculator

Stay on the SVR or switch — with the early repayment charge factored in.

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Stamp Duty calculator

SDLT, LBTT or LTT by nation — the one-off tax, kept separate from your payment.

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Browse by nation

Each region page has a live calculator plus local tax, affordability and legal context.

Phase 2 preview of the new country-first structure — not yet indexed. The live site is running unchanged.