Usefeul mortgage tools

 Use the following tools to help you with your mortgage decisions.

Monthly payment mortgage calculator

 Use the mortgage calculator to see what your monthly mortgage payment could be. You can also use the calculator to work out what the effect of an interest rate rise would mean to your monthly payments. Be aware that the mortgage calculator does not take into consideration any arrangement or other fees paid on your mortgage.

Residential property stamp duty calculator

Stamp duty calculator - you can use this to work out the duty on residential land / property.

Budgeting calculator

 Use the monthly budget calculator to see how much you have left over after all your monthly commitments are taken into consideration. This will help provide an idea of how much you could afford towards a mortgage on a monthly basis.

When filling in the planner, try to think about everything you earn, spend and save in an average month. Be honest, and where items you think of aren't included on the list, make sure you add them into the 'other' category.