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Contractor Mortgage Repayment Calculator

Use our mortgage calculator to estimate your monthly mortgage repayments, total interest, and the total cost of your loan for both repayment and interest-only mortgage options. Also, instantly find out how much you can borrow based on your daily rate.

Whether your contract is inside or outside IR35, or if you are working through a limited company or umbrella, our mortgage calculator covers all the aspects to assess your mortgage options, based on your daily rate, IR35 status, and property value.

Mortgage Details
Contract Details

All calculations are indicative and provided for estimation purposes only. They do not constitute financial or mortgage advice. Actual figures may vary depending on lender criteria, tax treatment, IR35 status, and individual circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Calculations Reviewed by ✔ Verified
Xero Advisor Certified | ACCA Part-Qualified Accountant

Calculations on this page have been reviewed and verified to ensure accuracy and alignment with current UK tax regulations for the 2026 tax year.

Last reviewed: April 2026

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