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Sources

House of Commons Library Stamp duty land tax: current situation and developments since 2020 MoneyHelper Mortgage calculator and buying a home guidance Bank of England Quoted household interest rates on mortgages Financial Conduct Authority Support available for mortgages as interest rates rise GOV.UK Stamp Duty Land Tax on residential property
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About

Kyqon · UK Mortgage Calculator

Free repayment estimates for a standard UK capital-and-interest mortgage: monthly payment, borrowing, LTV, England & Northern Ireland stamp duty, and cash to complete. Runs in your browser; Submit saves inputs in the URL. Illustrative only — not a lender quote or regulated advice.

How it works

Enter price, deposit (£ or %), rate (fixed or min–max), and term. Variable scenarios use the midpoint for overview figures; Excel includes low / median / high. Stamp duty is a one-off (not in the loan or monthly payment); first-home relief applies up to £500,000. Scotland and Wales are not modelled.

Example: £350,000 price, £35,000 deposit, 4.5%, 25 years → monthly repayment, interest, LTV, and estimated stamp duty / cash to complete for a home move.

Guides

Monthly repayments, stamp duty, and loan to value each open the calculator with a worked example.

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Legal

Privacy · Terms

Privacy

Calculator inputs are processed in your browser; shareable URLs may include them. No account required. The like button stores a site-wide count and a cookie so the same browser is not counted twice. Google Analytics measures visits, page views, and UI interactions (navigation, calculator actions, donate, like) and may store a cookie. Desktop ads (Google AdSense) may use cookies or similar technologies. For visitors in the UK, EEA, and Switzerland we use Google’s Privacy & messaging consent tool so you can choose how advertising data is used.

Terms

The tool is free and for general information only — not an offer of credit, a Mortgage Illustration, or FCA-authorised advice. Confirm figures with a lender, broker, or solicitor. Kyqon is not liable for decisions based on estimates or costs the tool omits (fees, ERCs, conveyancing). Do not misuse or disrupt the service.

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Contact

Get in touch · suggestions welcome

Email contactus@kyqon.com, or send a message below. We cannot give personal mortgage advice, recommend products, or assess affordability for your circumstances.

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