Mortgage calculators and tools
At Freelancer Financials, we’ve transformed the mortgage process for contractors with our range of easy-to-use tools.
Whether you’re purchasing your first home, refinancing, or looking to invest in property, our mortgage calculators offer personalised insights to support you throughout your journey.
Contractor mortgage calculator: how much can I borrow?
Mortgage comparison calculator: find the best rates on the market
Stamp duty calculator: plan your upfront costs
Mortgage repayment calculator: what will my mortgage payments be each month?
Interest rate comparison calculator
Buy-to-let mortgage calculator: how much can I borrow?
Buy-to-let stamp duty calculator: know your investment costs
Buy-to-let rent calculator: do you meet affordability criteria?
Why use our calculators?
With our bespoke calculators, you can quickly estimate your borrowing power, repayments, and costs, whether you’re a contractor, umbrella employee, or CIS worker.
Keep in mind:
- Calculators provide estimates, not guarantees.
- Affordability depends on industry experience, deposit size, credit rating, income stability, and financial commitments.
- Lender criteria may vary depending on your work structure and mortgage goals.
Speak to our expert brokers for tailored advice and unlock the best mortgage deal for you.
Start your mortgage application today
Calculators are a starting point
Our calculators provide quick estimates to guide you, but they won’t replace tailored advice or a lender’s formal decision. Use them as a helpful first step and let us handle the rest.
What affects your borrowing and repayments? It’s not just about your income. Lenders look at these factors, which shape how much you can borrow and what you’ll pay monthly:
Deposit size and loan term
A larger deposit or shorter term can improve your options.
Credit history
Your track record matters; good credit often means better deals.
Financial commitments
Existing debts or expenses impact affordability.
Dependents
More dependents can affect how much you can borrow.
Contract details
Your rate, contract length, and experience play a big role.
Quick links
Contract workers we help
Contractor-friendly mortgage lenders
Your protection insurance options
What makes Freelancer Financials different?
Ready to take the next step?
Contact our expert team today. Whether you’re exploring options or ready to apply, we’ll guide you to the perfect solution based on your circumstances.