Mortgage resources and tools


A simple, unbiased process

We understand that the process of applying for a mortgage can be daunting and a little complex. We make sure that you understand all of your options and then select the most appropriate one for you.

Our three-step process is clear and simple:

1. Initial assessment

We establish the type of mortgage and if it is a standard or non-standard case. If your mortgage result is unlikely, we will suggest ways to improve your eligibility at no extra charge.

2. Mortgage research

There’s lots to consider before deciding which mortgage deal and interest rate is the right one for you. We conduct detailed research and send a tailored model with your options.

3. Application

We handle the process of applying for a mortgage all the way through to completion. We will make your lender application online for you, directly through the lender portal.

Mortgage calculator

Use our mortgage calculator to find out how much you can borrow, what your monthly repayment is likely to be and compare mortgage options.

An estimate of how much lenders may be willing to lend to you

Based on the information provided, you could borrow between:

Upper borrowing range


Lower borrowing range


The actual amount that you could borrow will vary from lender to lender, and will be influenced by all your monthly outgoings.

See how much your mortgage payments could be


Monthly repayment (incl. interest)

Based on the information provided, your mortgage will cost as follows:

Repayment (pm)

Interest only (pm)

Loan to value

Stamp duty payable

Repayment (pm) + interest rate increase

Interest only (pm) + interest rate increase

The monthly repayment is for a straightforward repayment mortgage. It includes both interest and repayment towards the capital loan amount. This reduces the amount owed on the capital, month by month.

The interest only shows the amount of interest due on the loan. If you opt for an interest-only mortgage such as one linked to an endowment, ISA or pension savings policy, you will need to factor in the cost of those policy premiums. On maturity, the savings policy is intended to pay off the capital loan.

These figures are only a guide. We'd be very happy to discuss them with you in further detail.

Mortgage option #1

Mortgage option #2

Based on the information provided, the options compare as follows:

Mortgage option #1

Monthly repayment


Cost over full term (incl. fees)


Mortgage option #2

Interest Only monthly repayment


Interest Only cost over full term (incl. fees)


This calculator assumes that interest rates do not change during the term, and that you pay the fees upfront.

We're one of the leading mortgage specialists

Multi-industry expertise

We are financial planners and brokers. We make sure that you not only get the best mortgage for your circumstances, but also advise you on relevant issues.

Professional relationships

We have long-standing relationships with underwriters at all the banks.

Unbiased advice

We are completely independent, and offer "whole of market" mortgage advice.

Specialist knowledge

We have specialist knowledge of the contractor market.

International expertise

We are knowledgeable about the foreign national lending policies for all lenders in the market.

UK insights

We have specialist knowledge of large loan structures and have relationships with all the relevant UK and offshore private banks.

More than anything else: We make the complex feel simple.

Get in touch

Still have questions? Fill in your details below and one of our wealth specialists will be in touch as soon as they are able.

Sable Private Wealth Management Limited is authorised and regulated by the Financial Conduct Authority 222501. Sable Private Wealth (Pty) Ltd, an authorised FSP, is regulated by the Financial Sector Conduct Authority under licence number 48122.