Tools · Work it out privately

Useful numbers before a sales conversation.

These tools are designed to improve understanding and planning. They do not force an enquiry and they do not pretend a simple calculator can replace lender criteria or professional advice.

💷 Everyday money

Monthly money planner

See what is already committed, what is flexible and what remains for goals.

Open tool →Savings goal planner

Turn a named cash goal into a target, monthly amount and timeline.

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🏠 Home & property

Mortgage repayment calculator

Test loan amounts, rates and terms privately.

Open tool →Deposit & LTV planner

Turn a deposit percentage into a cash target and saving gap.

Open tool →UK property purchase tax

Estimate SDLT, LBTT or LTT for a residential purchase.

Open tool →Mortgage readiness planner

Understand the moving parts without pretending one income multiple is a lender decision.

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🛡️ Protection

Family protection gap

Start with the financial commitments you would want covered before thinking about a product.

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🌿 Property & later life

Property equity planner

See current equity and a hypothetical after-borrowing position.

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💼 Business

Business finance repayments

Illustrate a simple reducing-balance business loan.

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Need help interpreting the result?

Professional support stays available, but using the tools does not create an enquiry.

Professional options