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Mortgage tools

Whatever your mortgage requirements are, we’ve got the tools to help you get started. Work out your mortgage budget and monthly repayment using our mortgage calculator. Our interest rate curve is updated weekly, so you can stay informed about how the interest rate will affect your mortgage payments.

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.

How much can I borrow?




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

£0.00

Lower borrowing range

£0.00

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

Mortgage repayment calculator






See how much your mortgage payments could be

£0.00

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.

See the difference in cost for two different mortgages

Mortgage option #1

Mortgage option #2









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

Mortgage option #1

Mortgage option #2

Monthly repayment

Cost over full term (incl. fees)

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.

Need more information about applying for a UK mortgage? We’ve compiled a list of of frequently asked questions we are often asked regarding the UK property market. Alternatively, you can contact our mortgages team on mortgages@sableinternational.com and we’ll help you with any question you may have.

Interest rate curves

Our rate curves are updated weekly. They should give you an idea of how mortgage pricing is affected by the duration of the mortgage as well as the loan-to-value ratio (LTV).

How does your LTV affect your mortgage?

It affects the amount you can borrow, and the rate at which you can borrow. The lower your LTV rate, the wider and better your mortgage rate options will be. Your LTV rate is directly affected by the size of your deposit. The bigger your deposit, the lower your risk profile, the lower your LTV. Conversely, the smaller your deposit, the higher your LTV.

The curves below have been generated based on a first-time buyer purchasing a £400,000 property.

Loan To Value (LTV)
60 70 75 80 85 90
Fixed
Variable

 

A note on yield curves

These interest rate curves are driven primarily by interest expectations in the market. These expectations are best illustrated by yield curves.

Yield curves show the interest rates, or yields, of government bonds with different maturation dates. Government bonds are heavily traded, highly liquid instruments. They operate as the primary collateral for transactions between banks. They are also the mechanism for monetary policy in the economy and illustrate the "mind of the market" around the issue of interest rate expectations.

Yield curves drive the retail mortgage market pricing through the interest rate swap market. However, that transmission mechanism has a lag. Changes to yield curves can be a lead indicator for changes to mortgage market pricing. When we you on your mortgage, we are always comparing yield curves against mortgage pricing to get a feel for pricing opportunities.

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