TermZero

What it does

TermZero is a free mortgage calculator for the UK that goes beyond the standard "monthly payment" number. It shows your true cost including fees, models the payment shock you'll face when your fixed rate ends and you roll onto your lender's SVR, calculates stamp duty for England, Scotland, and Wales, and compares overpaying your mortgage versus investing in a Stocks & Shares ISA. No sign-up required, completely free.

Calculate your true mortgage costs, SVR payment shock, stamp duty, and compare overpaying vs investing in a S&S ISA with the UK

Every number recalculates as you go — your monthly payment, the jump when your fix ends, your equity, and what overpaying really buys you. Pre-tax, per year. Most UK lenders cap borrowing around 4.5× income. Savings in your linked account are subtracted from the balance before interest is charged. Enter your email to receive a cleanly formatted summary of your exact calculations. Yes — every calculator on TermZero is free, with no sign-up required to see your numbers. No. TermZero is an educational calculator, not a lender or a regulated mortgage broker, and it isn't authorised or regulated by the FCA. Always confirm figures with a qualified adviser before making financial decisions.…from termzero.co.uk

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