PlainMortgage Tools
According to the UK Office for National Statistics' (ONS) house price statistics and Bank of England (BoE) Bank Rate data (May 2026), median UK house prices range from £166,000 in the North East to £541,000 in London. PlainMortgage's tools compute repayment schedules, affordability, and stamp duty for any combination of price, deposit, LTV, fix term, and region.
Repayment calculator
Compute monthly principal-and-interest payments using the BoE-published effective rate for new mortgage lending. Supports fixed-rate (2/5/10-year fix), variable, and tracker products with optional offset-account adjustment.
Affordability checker
Estimate the borrowing-capacity ceiling under the Bank of England's Financial Policy Committee (FPC) Affordability Test framework — typically 4.5× joint household income, with regional adjustments for property-price-to-income ratios.
Stamp Duty Land Tax calculator
HMRC SDLT calculator for residential property purchases in England and Northern Ireland (Wales uses Land Transaction Tax; Scotland uses Land and Buildings Transaction Tax). Includes first-time buyer relief, additional-property surcharge (3%), and the latest 2025 threshold changes.