"I ended up with better interest rates than anticipated, and he steered me clear of several costly mistakes."⭐⭐⭐⭐⭐
"Great company. They helped get my mortgage from start to finish. The process was quick and simple.
They even got me a better rate on my mortgage as my house took ages to complete. Thank you Again!."⭐⭐⭐⭐⭐
"You always feel like you are speaking with a friend who wants the absolute best for you."⭐⭐⭐⭐⭐
Interactive Mortgage Calculators
Understanding your mortgage options shouldn’t feel overwhelming, and that’s exactly why we’ve created a suite of simple, accurate mortgage calculators to help you get clear on your numbers before you make any big decisions. Whether you’re a first‑time buyer, home mover, re-mortgager or simply exploring what’s possible, these tools give you a quick, reliable snapshot of affordability, repayments, deposit requirements and more.
Our calculators are designed to reflect real‑world lender criteria, helping you estimate how much you could borrow, what your monthly payments might look like, and how different interest rates or overpayments could affect your mortgage. They’re fast, free to use, and perfect for anyone wanting to plan ahead with confidence.
Once you’ve explored your results, our advisers are here to turn those numbers into a personalised plan. We offer fee‑free mortgage and protection advice, supporting clients across Colchester, Essex and the wider UK. If you’re ready for tailored guidance, or simply want to sense‑check your calculations, we’re here to help.
Why Use a Mortgage Calculator?
Mortgage calculators give you a quick way to understand what’s realistic for your budget. They help you compare scenarios, plan your deposit, and see how interest rates or loan terms affect your monthly payments, all before speaking to a lender.
Who Are These Calculators For?
Our tools are ideal for:
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First‑time buyers wanting to check affordability
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Home movers planning their next step
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Remortgagers comparing new deals
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Self‑employed clients exploring borrowing potential
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Anyone wanting a clearer picture of their mortgage options
What Happens After You Calculate?
Your results are a great starting point, but lenders all assess affordability differently. If you want a personalised breakdown or help improving your borrowing potential, our advisers can guide you through every step.
Disclaimer: The results provided by these mortgage calculators are for guidance only and are based on general assumptions. They do not constitute personalised financial advice or a mortgage offer. Actual affordability and lending decisions depend on full lender assessments, credit checks, income verification and individual circumstances. For tailored advice, please speak with a qualified adviser at Well Financial.
Want a clearer picture of what you can borrow?
Speak to one of our advisers for personalised, fee‑free mortgage guidance based on your full circumstances.
Know what you’re looking for? Click below to jump straight to the calculator that suits your needs or scroll to browse them all.
Use the interactive calculators below for instant answers.
“Can I Get a Mortgage?” Quick Eligibility Checker
Not sure if you’ll qualify for a mortgage? Our Quick Eligibility Checker gives you an instant indication of how lenders may view your application, without affecting your credit score. Simply answer a few short questions about your income, deposit and financial situation to get a fast, clear picture of your potential mortgage eligibility.
First time buyer free Pathway to Property service: If you're a first time buyer, we’re here to help you get onto the property ladder with confidence, offering guidance at every stage - from understanding valuations and making sure you don’t over‑offer, to presenting your offer professionally and securing the best possible mortgage rate for your circumstances.
Once you’ve checked your eligibility, our advisers can turn your results into a personalised plan and support you all the way through to completion. And when it’s time to remortgage in the future, we’ll be here with ongoing, lifetime care to make sure you always stay on the best deal available. We have a complete first time buyer checklist here.
Want a clearer picture of what you can borrow?
Speak to one of our advisers for personalised, fee‑free mortgage guidance based on your full circumstances.
Monthly Repayment Calculator
See what your mortgage payments could look like with our Monthly Repayment Calculator. Adjust the loan amount, interest rate and term to understand how your monthly costs change. Whether you’re comparing deals, planning a remortgage or budgeting for your first home, this tool helps you make confident, informed decisions.
Affordability Calculator
Find out how much you could borrow with our quick and easy Mortgage Affordability Calculator. Simply enter your income and outgoings to get an instant estimate based on real‑world lender criteria. Perfect for first‑time buyers, home movers and anyone planning their next step, this tool gives you a clear starting point before speaking to an adviser.
Want a clearer picture of what you can borrow?
Speak to one of our advisers for personalised, fee‑free mortgage guidance based on your full circumstances or find out more about low deposit mortgages here.
"She is organised, clear, precise and has incredible expertise not only in terms of mortgages, but of the entire process, having worked in several sides of the real estate industry.
She painted us a neat picture of the entire journey, empowered us to take informed decision, reduced our stress to the minimum and is constantly going above and beyond ⭐⭐⭐⭐⭐"
Stamp Duty Calculator
Work out exactly how much Stamp Duty you’ll pay with our simple Stamp Duty Calculator. Whether you’re a first‑time buyer, moving home or purchasing an additional property, this tool gives you a clear breakdown of the costs involved so you can budget with confidence.
Want a clearer picture of what you can borrow?
Speak to one of our advisers for personalised, fee‑free mortgage guidance based on your full circumstances. Read about options for Contractor mortgages here.
Disclaimer: The results provided by these mortgage calculators are for guidance only and are based on general assumptions. They do not constitute personalised financial advice or a mortgage offer. Actual affordability and lending decisions depend on full lender assessments, credit checks, income verification and individual circumstances. For tailored advice, please speak with a qualified adviser at Well Financial.