Mortgage Planner
See exactly what you can borrow, what it costs, and which lenders will say yes based on your Credolay profile.
MORTGAGE CALCULATOR
Deposit: 15% · LTV: 85%
£280,000£50,000 – £2,000,000
£42,000£5,000 – £140,000
Based on your Grade B profile
4.39%2% – 25%
25 yrs5 yrs – 35 yrs
Affordability checkOver limit
Borrowing £238,000 against an estimated income ceiling of £243,000 (98% of maximum)
MONTHLY PAYMENT
£1,308
per month for 25 years
Loan amount
£238,000
Total interest
£154,420
Total cost
£392,420
LTV ratio
85%
Your Credolay profile says
Grade B · StableLenders you qualify for3 of 6
Max LTV available to you95%
Best rate available4.39%
Improving to Grade A would unlock 1 more lenders and reduce your best available rate to 4.28%.
Lenders matched to your profile
Based on your Grade B, 85% LTV, and £238,000 loan amount
NW
NatWest
Min grade B · Max 90% LTV · Approval: 48 hours
4.39%
interest rate
£1,308/mo
monthly payment
HX
Halifax
Min grade C · Max 95% LTV · Approval: 3–5 days
4.52%
interest rate
£1,326/mo
monthly payment
NB
Nationwide
Min grade A · Max 85% LTV · Approval: 24 hours
4.28%
interest rate
£1,293/mo
monthly payment
Need Grade A
BA
Barclays
Min grade B · Max 90% LTV · Approval: 48 hours
4.61%
interest rate
£1,338/mo
monthly payment
FB
First Bank NG
Min grade B · Max 70% LTV · Approval: 5–7 days
18.5%
interest rate
£3,707/mo
monthly payment
Need 70% LTV
ST
Stanbic IBTC
Min grade A · Max 65% LTV · Approval: 7–10 days
19.2%
interest rate
£3,841/mo
monthly payment
Need 65% LTV
Repayment schedule
First 24 months — showing how each payment splits between interest and capital repayment
| MONTH | PAYMENT | INTEREST | CAPITAL | REMAINING BALANCE |
|---|---|---|---|---|
| 1 | £1,308 | £871 | £437 | £237,563 |
| 2 | £1,308 | £869 | £439 | £237,124 |
| 3 | £1,308 | £867 | £441 | £236,683 |
| 4 | £1,308 | £866 | £442 | £236,241 |
| 5 | £1,308 | £864 | £444 | £235,797 |
| 6 | £1,308 | £863 | £445 | £235,352 |
| 7 | £1,308 | £861 | £447 | £234,905 |
| 8 | £1,308 | £859 | £449 | £234,456 |
| 9 | £1,308 | £858 | £450 | £234,005 |
| 10 | £1,308 | £856 | £452 | £233,553 |
| 11 | £1,308 | £854 | £454 | £233,100 |
| 12 | £1,308 | £853 | £455 | £232,645 |
| 13 | £1,308 | £851 | £457 | £232,188 |
| 14 | £1,308 | £849 | £459 | £231,729 |
| 15 | £1,308 | £848 | £460 | £231,269 |
| 16 | £1,308 | £846 | £462 | £230,807 |
| 17 | £1,308 | £844 | £464 | £230,343 |
| 18 | £1,308 | £843 | £465 | £229,877 |
| 19 | £1,308 | £841 | £467 | £229,410 |
| 20 | £1,308 | £839 | £469 | £228,942 |
| 21 | £1,308 | £838 | £471 | £228,471 |
| 22 | £1,308 | £836 | £472 | £227,999 |
| 23 | £1,308 | £834 | £474 | £227,525 |
| 24 | £1,308 | £832 | £476 | £227,049 |
Showing first 24 of 300 payments. Full schedule available in your profile export.
NEXT STEPS TO GET MORTGAGE READY
Reach Grade A
3 more rent verifications + connect utility data. Grade A unlocks 2 more lenders at lower rates.
Build your deposit to 15%
Increasing your deposit to £42,000 drops your LTV to 85% and qualifies you for every lender on the list.
Lock in your rate now
Two lenders are offering rate reservations. Lock in today's rate while you complete the remaining steps.