Mortgage Calculator UK review
A broad UK mortgage-planning toolkit for mobile, with free calculations and paid professional tools.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Mortgage Calculator UK is a mobile finance app for UK homeowners, first-time buyers, property investors and mortgage professionals. Available on iOS and Android, it combines everyday repayment estimates with property and borrowing calculators. Users can calculate monthly repayments, total interest and payoff dates, then see how a repayment divides between capital and interest. Its scope makes it more useful for comparing scenarios across a property purchase than for someone who only wants a basic monthly payment estimate.
Beyond repayments, the app includes borrowing and affordability calculations, plus tools for deposits, loan-to-value and equity. Stamp Duty, overpayments, moving costs and buy-to-let rental yield extend the coverage to purchase planning, mortgage changes and investment screening. Side-by-side mortgage deal comparison helps assess options within the app. This breadth is useful for people who want several UK-specific calculations in one mobile toolkit, though users seeking a full desktop planning workflow may prefer another format.
The free consumer calculator is complemented by paid offerings. The listed in-app purchases include Mortgage Studio – Monthly and Mortgage Studio – Yearly, each highlighting professional Mortgage Studio tools; Mortgage Pro (Lifetime), which highlights Mortgage Pro calculators; Mortgage Pro Access; and Remove Adverts. According to the product listing, these in-app prices are in GBP, and the published plans show a starting price of 14.99. The available plan descriptions are brief, so buyers should compare the app's current purchase options before choosing a tier. Pick it for mobile UK mortgage and property calculations across several scenarios; look elsewhere if desktop access or more detail about paid-tool differences is central to your decision.
Mortgage Calculator UK pros and cons
- Where it wins
- Calculates repayments, interest, payoff dates and capital-versus-interest breakdowns
- Includes affordability, deposit, loan-to-value, equity and Stamp Duty tools
- Compares mortgage deals and covers overpayments, moving costs and rental yield
- Where it doesn't
- Mobile-only access may not suit people who want a desktop workflow
- Professional tools and ad removal require in-app purchases
- Mortgage Pro Access has no billing period specified
Mortgage Calculator UK fact sheet, pricing and score →
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