Find Out What You Can Afford with Ease
Curious about what your monthly repayments could look like? Our easy-to-use Mortgage Repayment Calculator takes the guesswork out of buying a home or investing in property. Simply enter your details, explore different scenarios, and get a clear picture of what fits your budget all in seconds.
Plan Your Budget
At Eden Row Estates, we believe clarity brings confidence. Our easy-to-use Mortgage Calculator helps you understand what’s possible – from monthly repayments to your overall budget – in just a few clicks. Whether you’re a first-time buyer, investor, or looking to move home, this tool is designed to guide you with simplicity and transparency.
Mortgage Calculator 2025/26
Find out how much you’ll pay in stamp duty.
What You Need to Know
Buying a home is exciting, but it can also feel a little overwhelming. That’s why we’re here to guide you through every step. From finding the right property and understanding the market, to securing a mortgage and handling the legal side, we break it all down in simple, easy-to understand terms. Whether it’s your first home or your next move, our goal is to give you the confidence, knowledge, and support you need to make the process smooth and stress free.
Current Stamp Duty Rates
| Property Price | Rate |
|---|---|
| Up to £125,000 | 0% |
| The next £125,000 (the portion from £125,001 to £250,000) | 2% |
| The next £675,000 (the portion from £250,001 to £925,000) | 5% |
| The next £575,000 (the portion from £925,001 to £1.5 million) | 10% |
| The remaining amount (the portion above £1.5 million) | 12% |
First Time Buyer Stamp Duty Rates
| Property Price | Rate |
|---|---|
| Up to £300,000 | 0% |
| From £300,001 to £500,000 | 5% |
| £500,001 and above | No relief |
Frequently Asked Questions
A mortgage is a loan that helps you buy a home without paying the full price upfront. You repay it over time, usually with interest. Think of it as a tool that makes owning your dream home possible, while fitting comfortably into your monthly budget.
Here are the main three options:
- Fixed-rate mortgage – your payments stay the same for a set period, making budgeting simple.
- Variable-rate mortgage – your rate can change with the market, which could make payments go up or down.
- Interest-only mortgage – pay just the interest for a period, often popular with property investors.
It depends on your income, credit history, and the lender’s criteria. To make it easier, try our Mortgage Repayment Calculator, it gives you a clear idea of what’s affordable before you even talk to a mortgage advisor.
It’s simple! Just enter the loan amount, interest rate, and term length, and you’ll see an estimate of your monthly repayments. You can even test different scenarios to see how changing rates or terms affects your budget.
Buying a home isn’t just about the mortgage. You’ll also need to think about:
- Deposit (Usually 5–20% of the House Price)
- Legal Fees and Conveyancing
- Stamp Duty (Property Tax)
- Survey Fees and Insurance
Preparation is key! Know your budget, get mortgage pre-approval, and understand the steps involved. With Eden Row Estates by your side, we’ll guide you through viewings, offers, and the legal side, so it’s smooth and stress free.
Absolutely! You can tweak interest rates, loan amounts, and terms to see how it affects your monthly repayments. It’s a great way to explore options, compare scenarios, and plan for the long term before committing to a mortgage.
Disclaimer: This calculator is for general interest only and doesn’t constitute formal advice. The calculator shouldn’t be considered up to date or complete, and relates only to certain types of residential property in England or Northern Ireland. Always consult your property lawyers, accountants, or other financial advisors on tax issues.
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