--- title: "Mortgage Calculators" description: "Every Mortgage Lane calculator in one place: residential, buy to let, commercial, bridging, development finance and specialist lending. Search, filter by category and run your own figures." url: "https://mortgagelane.com/calculators" site: "Mortgage Lane" date: "2026-10-08" reviewed: "2026-10-08" reading_time: "20 min" language: "en-GB" robots: "index,follow" --- # Mortgage Calculators Every Mortgage Lane calculator in one place: residential, buy to let, commercial, bridging, development finance and specialist lending. Search, filter by category and run your own figures. ## Mortgage calculators Every calculator we publish, in one place. Search or filter by category, open one and enter your own figures, or follow it to the guide it comes from. ## Residential mortgage calculator Residential How much you could borrow to buy or remortgage a home, from your income, your credit commitments and your deposit. [Read more about Residential Mortgages](https://mortgagelane.com/mortgages/residential-property-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria and valuation. This is not a mortgage offer. Your property may be repossessed if you do not keep up repayments. ## 95% LTV mortgage calculator Residential The loan and monthly payment with a 5% deposit, what your income supports, and how both compare at lower loan to values. [Read more about 95% Mortgages](https://mortgagelane.com/mortgages/95-percent-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, affordability and valuation. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## 90% LTV mortgage calculator Residential The loan and monthly payment with a 10% deposit, what your income supports, and how both compare at other loan to values. [Read more about 90% LTV Mortgages](https://mortgagelane.com/mortgages/90-ltv-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, affordability and valuation. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## 85% LTV mortgage calculator Residential The loan and monthly payment with a 15% deposit, what your income supports, and how both compare at other loan to values. [Read more about 85% LTV Mortgages](https://mortgagelane.com/mortgages/85-ltv-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, affordability and valuation. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## Fixed rate mortgage calculator Residential The payment during a fix, the balance when it ends, and what drifting onto the lender's follow-on rate would cost. [Read more about Fixed Term Mortgages](https://mortgagelane.com/mortgages/fixed-term-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, affordability and valuation. Early repayment charges may apply during a fixed rate. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## Tracker and variable rate calculator Residential How your monthly payment moves if the rate rises or falls, set against a fixed rate. [Read more about Tracker Mortgages](https://mortgagelane.com/mortgages/tracker-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, affordability and valuation. Tracker and variable payments can rise. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## Interest only mortgage calculator Residential Interest only, part and part and capital repayment side by side, and whether a repayment strategy covers what is still owed. [Read more about Interest Only Residential Mortgages](https://mortgagelane.com/mortgages/interest-only-residential-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, affordability and a credible repayment strategy. Investment values can fall as well as rise. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## Offset mortgage calculator Residential An offset mortgage against a standard one on the same balance, after the savings interest you would give up. [Read more about Offset Mortgages](https://mortgagelane.com/mortgages/offset-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, affordability and valuation. Offset savings earn no interest. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## Shared ownership mortgage calculator Residential The monthly cost of a shared ownership share, split between mortgage and rent, against a 95% mortgage on the whole home. [Read more about Shared Ownership Mortgages](https://mortgagelane.com/mortgages/shared-ownership-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to the housing association's assessment, lender criteria, affordability and valuation. Rent and service charges can rise. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## Help to Buy equity loan calculator Residential What repaying a Help to Buy equity loan costs today, the interest from year six, and the remortgage needed to clear it. [Read more about Help to Buy Mortgages](https://mortgagelane.com/mortgages/help-to-buy-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only. The repayment figure depends on a RICS valuation that meets the scheme rules, and administration fees apply. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## Family help mortgage calculator Residential A family member's savings held as security for your mortgage, compared with gifting the same money as a deposit. [Read more about Family Help Mortgages](https://mortgagelane.com/mortgages/family-help-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, affordability and valuation. Savings held as security can be used to cover a shortfall if the property is repossessed. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## JBSP mortgage calculator Residential What a supporting borrower adds to your borrowing, what their age does to the term, and the stamp duty if they also go on the title. [Read more about JBSP Mortgages, Joint Borrower Sole Proprietor](https://mortgagelane.com/mortgages/jbsp-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, affordability and valuation. Every borrower is liable for the whole loan. Stamp duty depends on your circumstances. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## Single person mortgage calculator Residential The most one income can borrow, the price your deposit reaches, and the monthly cost of a shared ownership share. [Read more about Single Person Mortgages, Buying Alone and Applying Alone](https://mortgagelane.com/mortgages/single-person-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, affordability and valuation. Lenders differ on which income they count and on the multiple they apply to one income, and shared ownership also depends on the housing association's assessment. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## Low income mortgage calculator Residential The loan your income supports, with benefits, maintenance or a pension counted as a lender would, and what that loan buys. [Read more about Low Income Mortgages, Benefits, Schemes and Borrowing](https://mortgagelane.com/mortgages/low-income-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, affordability and valuation. Lenders count benefit and other income in different ways, and shared ownership rent and service charges can rise. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## Teacher mortgage calculator Residential What a teacher could borrow at 5 or up to 6 times income, with and without the student loan deduction counted, and the monthly cost. [Read more about Mortgages for Teachers, ECTs, Supply Pay and Student Loans](https://mortgagelane.com/mortgages/mortgages-for-teachers) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, affordability and valuation. Lenders differ on whether and how they count a student loan deduction, and the thresholds change each April. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## Leasehold mortgage term calculator Residential The longest mortgage term your lease allows, and what you could borrow over it. [Read more about Mortgage for a Leasehold Flat](https://mortgagelane.com/mortgages/mortgage-for-leasehold-flat) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, the lease, affordability and valuation. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## Buy to let mortgage calculator Buy to let How much you could borrow against a rental property, from the rent, your tax band and the lender's stress rate. [Read more about Buy to Let Mortgages](https://mortgagelane.com/mortgages/buy-to-let-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria and valuation. This is not a mortgage offer. Your property may be repossessed if you do not keep up repayments. ## HMO mortgage calculator Buy to let How much you could borrow against a house in multiple occupation, from the total rent across the rooms. [Read more about HMO Mortgages](https://mortgagelane.com/mortgages/hmo-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria and valuation. This is not a mortgage offer. Your property may be repossessed if you do not keep up repayments. ## Buy to let rent calculator Buy to let The monthly rent a lender needs to see for your loan, on two-year and five-year fixed rate stress tests. [Read more about 85% LTV Mortgages](https://mortgagelane.com/mortgages/85-ltv-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, rental assessment and valuation. This is not a mortgage offer. Your property may be repossessed if you do not keep up repayments on your mortgage. ## Commercial mortgage calculator Commercial How much a business could borrow on premises it trades from, on adjusted net profit, or on property let to tenants. [Read more about Commercial Mortgages](https://mortgagelane.com/mortgages/commercial-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria and valuation. This is not a mortgage offer. Your property may be repossessed if you do not keep up repayments. ## Commercial investment calculator Commercial How much you could borrow against commercial property let to tenants, from the lease income. [Read more about Semi Commercial Mortgages](https://mortgagelane.com/mortgages/semi-commercial-mortgage) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria and valuation. This is not a mortgage offer. Your property may be repossessed if you do not keep up repayments. ## Buy to let or commercial investment calculator Commercial The same property assessed as a buy to let and as a commercial investment, to compare what each could borrow. [Read more about Holiday Let Title Split](https://mortgagelane.com/case-studies/holiday-let-title-split) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria and valuation. This is not a mortgage offer. Your property may be repossessed if you do not keep up repayments. ## Revolving credit facility calculator Commercial The facility a property could support on value and on rent, and the interest saved by drawing only what you need. [Read more about Revolving Credit Mortgage, Property Revolving Credit Facility](https://mortgagelane.com/mortgages/revolving-credit-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, valuation and review. Facilities are reviewed and limits can be reduced, and the commitment fee comes from the lender's terms. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it. ## Bridging loan calculator Bridging finance The gross bridging loan against a property's value or purchase price, before interest, fees and retained amounts. [Read more about Bridging Loans](https://mortgagelane.com/short-term-finance/bridging-loans) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria and valuation. This is not a mortgage offer. Your property may be repossessed if you do not keep up repayments. ## Probate loan calculator Bridging finance The Inheritance Tax on an estate, what is due before the grant, and the funding gap a probate loan would need to cover. [Read more about Probate Loans, Executor Loans and Inheritance Advances](https://mortgagelane.com/mortgages/probate-loans) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, affordability and valuation. The Inheritance Tax figures follow the published bands as at October 2026 and leave out exemptions, reliefs and the probate fee, so this is not tax advice and not an offer of finance. Your home may be repossessed if you do not keep up repayments on your mortgage. ## Development finance calculator Development finance The facility on a scheme from the lower of its value cap and its cost cap, and the equity you would put in. [Read more about Property Development Finance](https://mortgagelane.com/short-term-finance/property-development-finance) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, based on the figures you enter and the ceilings shown. Lenders also assess experience, planning, the build contract and the exit. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it. ## Ground up development finance calculator Development finance The value and cost caps applied to a ground-up build, with the facility, your equity and the profit on cost. [Read more about Ground Up Development Finance](https://mortgagelane.com/short-term-finance/ground-up-development-finance) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, based on the figures you enter and the ceilings shown. Lenders also assess experience, planning, the build contract and the exit. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it. ## Residential development finance calculator Development finance The facility on a housing scheme, and whether a buy to let refinance of each unit would repay it. [Read more about Residential Development Finance](https://mortgagelane.com/short-term-finance/residential-development-finance) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, based on the figures you enter and the ceilings shown. Lenders also assess experience, planning, the build contract and the exit. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it. ## Commercial development finance calculator Development finance The finished building valued on its rent and yield, and the facility the value and cost caps allow. [Read more about Commercial Property Development Finance](https://mortgagelane.com/short-term-finance/commercial-property-development-finance) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, based on the figures you enter and the ceilings shown. Lenders also assess experience, planning, the build contract and the exit. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it. ## Build to rent development finance calculator Development finance Rent turned into value, the facility on a build to rent scheme, and whether an investment loan on the let block would repay it. [Read more about Build to Rent Development Finance](https://mortgagelane.com/short-term-finance/build-to-rent-development-finance) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, based on the figures you enter and the ceilings shown. Lenders also assess experience, planning, the build contract and the exit. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it. ## PBSA development finance calculator Development finance Beds, rent and letting weeks turned into value for student accommodation, with the facility and the exit test. [Read more about PBSA Finance, Purpose-Built Student Accommodation](https://mortgagelane.com/short-term-finance/pbsa-finance) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, based on the figures you enter and the ceilings shown. Lenders also assess experience, planning, the build contract and the exit. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it. ## Hotel development finance calculator Development finance A finished hotel valued on its trading, the facility under the value and cost caps, and the hotel mortgage exit. [Read more about Hotel Development Finance](https://mortgagelane.com/short-term-finance/hotel-development-finance) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, based on the figures you enter and the ceilings shown. Lenders also assess experience, planning, the build contract and the exit. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it. ## Development finance calculator for Scotland Development finance Land and Buildings Transaction Tax on the site added to the scheme cost, then the facility under the value and cost caps. [Read more about Property Development Finance in Scotland](https://mortgagelane.com/short-term-finance/property-development-finance-scotland) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, based on the figures you enter and the ceilings shown. Lenders also assess experience, planning, the build contract and the exit. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it. The LBTT figure is an estimate: reliefs, mixed-use rules and the buyer's position can change it. ## Joint venture development finance calculator Development finance What you keep from a scheme funded conventionally against a joint venture, with or without a priority return to the funder. [Read more about Joint Venture Development Finance](https://mortgagelane.com/short-term-finance/joint-venture-development-finance) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, based on the figures you enter and the ceilings shown. Lenders also assess experience, planning, the build contract and the exit. This is not an offer of finance. Your property may be repossessed if you do not keep up repayments on a loan secured on it. Joint venture terms are agreed scheme by scheme. ## CCJ mortgage calculator Specialist lending The deposit a lender's loan to value limit needs with a CCJ, the most your income supports, and the monthly payment. [Read more about CCJ Mortgages, Satisfied and Unsatisfied CCJs](https://mortgagelane.com/mortgages/ccj-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, affordability and valuation. Each lender sets its own loan to value limit for a CCJ, so the limit you enter is an assumption. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## Mortgage with defaults calculator Specialist lending The deposit needed at the loan to value a lender offers with defaults on your record, and any shortfall. [Read more about Mortgages with Defaults, Lender Tiers and Secured Defaults](https://mortgagelane.com/mortgages/mortgages-with-defaults) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, affordability and valuation. Each lender sets the highest loan to value for a credit history, and the figure you enter is your own assumption. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## Missed payment mortgage calculator Specialist lending The deposit and loan at the highest loan to value a lender offers after missed payments, checked against your income. [Read more about Mortgages with Missed Payments, Late Payments and Arrears](https://mortgagelane.com/mortgages/mortgages-with-missed-payments) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, affordability and valuation. The highest loan to value is a figure you enter, not a lender's limit for missed payments, and each lender decides how it treats your credit history. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## IVA mortgage calculator Specialist lending The deposit a lender's maximum loan to value needs with or after an IVA, and the loan checked against your income. [Read more about IVA Mortgages, Getting a Mortgage With or After an IVA](https://mortgagelane.com/mortgages/iva-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, affordability and valuation. Each lender sets its own maximum loan to value for a borrower with an IVA, so the limit is a figure for you to enter. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## CIS mortgage calculator Specialist lending Your CIS income annualised over 46 or 48 weeks, before and after the deduction, and what each reading lets you borrow. [Read more about CIS Mortgages, Construction Industry Scheme](https://mortgagelane.com/mortgages/cis-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, affordability and valuation. Lenders read CIS income in different ways. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## Contractor mortgage calculator Specialist lending Your day rate annualised on a 48-week basis, the effect of the 46 weeks some lenders use, and the borrowing on each. [Read more about Contractor Mortgages](https://mortgagelane.com/mortgages/contractor-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, affordability and valuation. Each lender annualises contract income its own way. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## Japanese knotweed mortgage calculator Specialist lending How a knotweed management plan changes the loan, the cash needed at completion and the seller's proceeds. [Read more about Japanese Knotweed Mortgages, RICS Categories and Lender Rules](https://mortgagelane.com/mortgages/japanese-knotweed-mortgages) **Use this calculator** Explore your borrowing Start again Enter your figures in pounds. Your estimate updates as you go. Indicative maximum loan \- Enter your figures to see an estimate. Loan to value [Discuss your options](https://mortgagelane.com/contact) Indicative estimate only, subject to lender criteria, affordability and valuation. The plan cost, retention and price reduction are your own figures, not market rates or lender terms. This is not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage. ## Talk it through with an adviser A calculator gives you a starting point. Twenty minutes on the phone is usually enough to tell you what is realistic. Published: 2026-10-08 Last reviewed: 2026-10-08 Source: https://mortgagelane.com/calculators