A starting point, not a recommendation
Explore how a loan amount, interest rate and term could affect monthly repayments. Then discuss the wider picture with your adviser.
Calculator settings
The borrowing, repayment and Stamp Duty widgets are provided through mortgage-quote.me. They load automatically on this page unless you have turned them off. Loading them connects your browser to that provider, which receives technical information such as your IP address and may process the figures you enter. Dunedin Financial has confirmed that the widgets do not set cookies or use browser storage. See our cookies and storage notice.
You can turn the widgets off separately and use the on-site repayment illustration below, or contact your adviser. Your off choice is remembered in this browser until you turn them on again, where browser storage is available. Turning the widgets off removes them; it does not recall information already sent to the provider.
Loading calculator widgets…
Knowing your monthly mortgage repayments is crucial for financial planning. Our Repayment Calculator helps you:
These figures are only illustrative. All mortgages are subject to the applicant(s) meeting the eligibility of the specific lender. An assessment of your needs will be confirmed before a recommendation can be made.
This tool illustrates a capital-and-interest repayment mortgage. The example figures below are not a mortgage offer or a current product rate.
Your illustration
Assumes equal monthly payments and the same interest rate for the entire term. Excludes fees, rate changes, overpayments and other charges. Actual lender calculations may differ.
These figures are only illustrative. All mortgages are subject to the applicant(s) meeting the eligibility of the specific lender. An assessment of your needs will be confirmed before a recommendation can be made.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Borrowing · On-page widget
Borrowing illustrations are a starting point. Lenders also consider your circumstances, commitments and eligibility, not just your income.
These figures are only illustrative. All mortgages are subject to the applicant(s) meeting the eligibility of the specific lender. An assessment of your needs will be confirmed before a recommendation can be made.
Purchase costs · On-page widget
Stamp Duty is a tax on property purchases, and understanding how much you'll need to pay ensures accurate budgeting. Our Stamp Duty Calculator helps you:
Property tax depends on where you are buying as well as your circumstances. Scotland uses Land and Buildings Transaction Tax (LBTT), Wales uses Land Transaction Tax (LTT), and England and Northern Ireland use Stamp Duty Land Tax (SDLT).
Check that the calculator supports your property's location and circumstances before relying on an estimate. For a Scottish purchase, use an LBTT calculation, not an SDLT estimate. Ask your adviser or solicitor if the required tax or relief is not available in the widget.
These figures are only illustrative. All mortgages are subject to the applicant(s) meeting the eligibility of the specific lender. An assessment of your needs will be confirmed before a recommendation can be made.
Discuss your home-buying plansAt Dunedin Financial, we simplify the complexities of mortgage planning, helping you make informed financial decisions without stress.
A longer term may reduce the monthly payment but increase the overall cost of borrowing. A rate change can affect the cost, and a calculator cannot establish which mortgage is suitable for you.
Explore our mortgage advice for first-time buyers, movers and remortgages, or speak with your dedicated adviser about your plans.
Bring your questions. We will help you understand your options.