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Quick Mortgage Calculator
With our super-fast expat mortgage calculator, you can quickly discover what your monthly payments would be for either an interest-only or full capital and interest mortgage.
Simply enter your Mortgage amount, the repayment period, and the interest rate into the form and click on the calculate button.
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.
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Quick Mortgage Calculator
Full Capital Repayment Mortgage Calculator
Get your full amortisation payment schedule
Simply enter your Mortgage amount, interest rate, and the term of the mortgage to calculate your full amortisation payment schedule.
Go to Full Capital Repayment CalculatorStamp 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:
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.
Get A Free QuoteOffset 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.
Get A Free QuoteMortgage 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.
Try the Calculator for yourself!
1. Your mortgage details
Enter your current UK mortgage information
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Overpayments are assumed to reduce your mortgage term, not your regular payments. Results update automatically as you change the figures above.
Your estimated savings are updated automatically.
2. Your estimated savings
Based on the information you’ve provided
Time saved
-You’ll pay off your mortgage sooner
Interest saved
-You’ll save in interest payments
New estimated term
-Instead of your current term
Estimated monthly payment
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Without overpayments
Total amount you’ll repay
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Including overpayments
Want to see if your lender allows overpayments?
Speak to an Expat Mortgage Specialist →
Living overseas can make UK mortgage options more complex. Our specialist advisers can review your current deal and explore your remortgage options.
Important for UK expats
Some UK lenders limit how much you can overpay each year without early repayment charges. If you live abroad, your remortgage options may depend on your country of residence, income currency, employment type, UK property type and lender criteria.
- This calculator is for repayment mortgages only
- Results are an estimate and not a guarantee
- Does not include fees, charges or potential rate changes
- Your lender may have different overpayment terms
The information provided by this calculator is for illustrative purposes only and is not financial advice. Please contact us to discuss your personal circumstances.
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.
Helping You Through the Expat Mortgage Application Process
Most high street lenders lack expat mortgage options and support structures for Expats or Foreign Nationals seeking finance. This is where a specialist UK expat mortgage broker is usually necessary to ensure your application meets the right criteria and is directed to the appropriate lender. Any available mortgage product will depend on your specific circumstances.
Our consultants and dedicated support team will guide you through the entire UK mortgage application process. We'll identify all of the requirements, including income and visa status. We help reduce disruption, contain your costs, and save you time.
We’re here to Save Time and Take Away the Stress
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We work with the lender to present your case and ensure an underwriter doesn’t make assumptions based on the fact you live and work abroad or have only recently moved to the UK.
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We can talk you through the process on how best to present your mortgage application.
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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.
- We can help you secure a more favourable rate when exchanging money across borders.
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.
Accessible
Our mortgage consultants are available on the end of the phone or email, as and when you need us.
Approved
Liquid Expat is fully approved by the UK’s Financial Conduct Authority for expat mortgage advice.
Exclusive Market Access
Not only do we have the largest panel of lenders to choose from, but a number of our lenders have exclusive offers only available through Liquid Expat Mortgages.
Experienced
Liquid Expat Mortgages have successfully completed thousands of mortgages and remortgages for expats and foreign nationals since 2007.
Experts
Our expert mortgage consultants are fully qualified with extensive UK Mortgage market knowledge.
Straightforward
We work quickly, without jargon, to make things happen within your time frame and around your time zone.
Liquid Expat Mortgages Reviews
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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