Expat Mortgage Calculator

Use this simple mortgage calculator to get an idea of how much your monthly payments would be using different interest rates and mortgage terms.

See what the monthly payments would be on either interest-only or full capital and interest mortgage.

Discover your best UK mortgage interest rate

Liquid Expat Mortgages offer a free consultation if you would like to talk through your options and discover your best possible interest rate with one of our friendly expert mortgage advisers.

Mortgage Calculator
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Stamp Duty Calculator

Calculate the Stamp Duty on your UK* residential property purchase. You must pay Stamp Duty Land Tax (SDLT) if you buy a property over the current SDLT threshold of £125,000.
*You pay a different tax if your property or land is in Scotland or Wales.

There are different rules if you or the person you’re buying with are first time buyers purchasing their first home and the purchase price is less than £500,000. Anyone buying an additional residential property worth £40,000 or more will have to pay additional stamp duty even if the property you already own is abroad.

You must send an SDLT return to HMRC and pay the tax within 14 days.

We recommend checking the stamp duty rates below so you know exactly what you’ll have to pay and there are no surprises during your next property purchase.

Calculate Stamp Duty:

Your calculation
Stamp Duty Due: Band Rate Amount Total Up to
Please note: this tool is an indicator only, your solicitor or tax consultant will advise you as to the actual stamp duty land tax that must be paid on completion, as per your individual circumstances.

Stamp duty on 2nd homes & buy-to-let property

As of 1st April 2016, if you’re purchasing a second home or buy-to-let property you have to pay an additional 3% surcharge on each stamp duty band.

Additionally, the way stamp duty rates for residential purchases are calculated within England and Wales were changed in 2014. The old structure was replaced with a progressive scale of charges levied on all transactions over £125,000. The new percentages apply to the value above each threshold up to the full purchase price, for example, in the same way that income tax operates.

Offset Mortgage Calculator

See how Offset Mortgages allow you to use your savings so you only pay interest on the difference between your savings and the money you owe. For example, a £150,000 mortgage with £30,000 savings means you would only pay interest on £120,000.

Why get an offset mortgage?

• Use your savings to reduce your interest payments
• Withdraw your savings at any point to make other investments e.g. purchase a new property, refurbish an existing property
• Reduce the number of years on your mortgage
• Pay less interest over time

Please note: The information here is for illustration purposes only and is not a precise calculation. For a more accurate calculation or for more information on offset mortgages, please contact Liquid Expat Mortgages.

Mortgage Overpayment Calculator

By using our mortgage overpayment calculator below you’ll see how much your mortgage might cost over a specific term and interest rate.

You can then add in an overpayment option to see the savings available.

Overpay and save thousands of £’s and years on your repayment period!

See for yourself how much money and time you save adding in your overpayment option.

If you overpaid £200.00 per month on a £250,000.00 mortgage with 20 years remaining paying 4% interest you’d SAVE £20,683.00 in interest payments and reduce your repayment period by 4 years.

Try the Calculator for yourself!

Enter the details as requested in “Mortgage Details” section. Then see for yourself how much time and money you can save by entering the information in “Overpayment Details”. We think you’ll be amazed!


IMPORTANT! Please read…

The calculator is for illustrative purposes only and based on certain key assumptions, listed below. It provides an indication of the interest you could save. The calculator doesn’t take into consideration any early repayment charges that may apply and is based on a repayment mortgage.

Before making overpayments we recommend that you talk to your lender or one of our mortgage consultants to understand if any early repayment charges will apply. If you want your overpayments to have the effect of reducing your mortgage term, rather than reducing your monthly payment, please speak to your lender or one of our mortgage consultants.

This information is computer-generated and relies on certain assumptions. It has only been designed to give a useful general indication of costs. It’s important you always get a specific quote from the lender and double-check the price yourself before acting on the information. We cannot accept responsibility for any errors.

We use the following assumptions in the calculations:

  • Based on a repayment mortgage
  • Any regular monthly overpayments remain the same over the term of the mortgage
  • All years are of equal length
  • Interest is calculated daily and added monthly
  • The mortgage balance shown on the graph and table are the same, and are the amount left on the mortgage at the end of that particular year
  • Multiple sub accounts must be calculated individually
  • Estimate of total interest saved is rounded to the nearest pound
  • There is no change in interest rate which would recalculate your monthly payment
  • There will not be any changes to your mortgage which would result in a recalculation of your monthly payment e.g. changes to your mortgage product, term, type or change of owners.

Your guide to expat mortgages

As a specialist expat mortgage broker based in the United Kingdom, we can guide you through even the most complex overseas UK mortgage or remortgage process.

With over a decade of experience, we can quickly assess your case and then immediately place you with the most suitable lender and the best possible terms to suit your personal circumstances.

Get a free quote

Liquid Expat is your Specialist Expat Mortgage Broker

Liquid Expat Mortgages has been providing expat mortgages since 2007. Our many years of experience and relationships built up with lenders means that we can find the very best mortgage for your needs.

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We can help you through the whole Expat Mortgage Application Process

Liquid Expat Mortgages with its experienced and qualified team of mortgage brokers can support you through the whole UK expat mortgage application process.

By working with you we can help minimise the disruption and contain costs when it comes to supplying the correct paperwork and identity requirements.

Save time and stress

  • We can work with the lender to present your case better and ensure an underwriter doesn’t make assumptions based on the fact you live and work abroad.
  • We will be able to talk you through the process on how best to present your mortgage application.
  • We can help you secure a more favourable rate when exchanging money across borders.

As a completely independent team of expat mortgage specialists – we have no obligations other than ensuring you receive the best and most valuable service from our team.

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