No data storageBrowser-only calculationsTransparent assumptionsUpdated 2026 rules

Know Your Mortgage Before You Borrow

Free mortgage calculator for UK, USA, Canada & Australia. Estimate affordability, monthly repayments, amortization, and stamp duty — all in your browser, no data stored.

Start Calculating — FreeChoose Your Country
UK
US
CA
AU

Trusted by homebuyers in 4 countries

4

Countries Supported

100%

Browser-Only

£0

Cost to Use

2026

Updated Rules

Multi-country support

UK mortgage affordability, Canada stress test, US 28/36 and AU borrowing power

Each country uses the correct 2026 rules, local terminology, and rate assumptions.

United Kingdom flag

United Kingdom

UK

Base rate 5.25%

SDLT first-time relief

Affordability caps assume 30% front-end and 40% back-end DTI.

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United States flag

United States

USA

30yr avg 6.87%

28/36 DTI rule

Affordability uses 28% front-end and 36% back-end DTI caps.

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Canada flag

Canada

CA

Prime 7.20%

Stress test included

Affordability uses 32% front-end and 40% back-end DTI caps.

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Australia flag

Australia

AU

Cash rate 4.35%

Interest-only option

Affordability uses 30% front-end and 40% back-end DTI caps.

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Expat

Worldwide

Foreign income modelled

25% deposit assumed

Designed for expat borrowing profiles.

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