KNOWLEDGE CENTRE TOOLS
Free Mortgage & Protection Tools
Useful tools to help you explore your mortgage and protection options — free to use. Every tool is built by our team and clearly explains what the figures mean, so you can play with the numbers before deciding what to do next.
HOW IT WORKS
Explore your numbers in three steps
Pick a tool
Choose the calculator that matches the question you have.
Try your own figures
Change the numbers to see how different choices could play out.
Talk it through
Our advisers can help you understand what the results mean for you.
OUR TOOLS
Explore our tools
Available now
Mortgage Overpayment Calculator
See how much interest you could save and how much sooner you could be mortgage-free by overpaying. Enter your balance, term and rate, then add a monthly or lump-sum overpayment.
Available now
Remortgage Savings Calculator
Moving to a new deal? Enter your current rate and balance to see illustrative savings from switching to a lower rate, and what happens if rates rise.
Available now
Life Insurance Cover Calculator
A quick guide to how much life cover a family might typically consider — based on your mortgage balance, income and family setup.
Available now
Buy to Let Rental Yield Calculator
Work out the rental yield on a property you own or are considering — gross and illustrative net yield, with running-cost reminders.
Coming soon
Interest-Only Payment Guide
See illustrative monthly interest-only payments at different balance and rate combinations, and why a repayment plan matters.
Talk to us
Can’t see what you need?
Our advisers can talk through your own figures with you by telephone, video or face to face.
WHY USE OUR TOOLS
Why use our tools?
Our tools give you a clear starting point. They show how different choices — like overpaying your mortgage or reviewing your deal — could affect your position, using simple illustrations rather than jargon. They’re designed to inform, not to advise: for guidance on your own situation, our advisers are always happy to help.
READY TO TALK?
Need advice that’s personal to you?
The tools are a great way to explore options, but everyone’s situation is different. If you’d like to talk anything through — from overpaying to protecting your family’s income — get in touch with our team. We offer telephone, video and face-to-face appointments across England and Wales.