Mortgage calculators — with an AI coach attached.
Comparison sites give you a number. We give you a number, the chart, and the answer to "so what should I do?" Free, no sign-up to use the calculators, and the AI agent runs on top of your inputs.
Basic mortgage calculator
★ Saves scenariosMonthly payment, total interest, and a year-by-year amortisation chart. Repayment or interest-only.
Stamp duty calculator
England SDLT, Scotland LBTT, Wales LTT — first-time buyer relief, additional property surcharge, mixed-use and commercial.
Ditch your fix
Should you break your fix early? Models the ERC, the new deal, and the break-even month — with an AI verdict.
Overpay vs invest
Overpay your mortgage or feed the ISA / pension / GIA? Tax-aware, runs both at your expected return, surfaces the £ winner.
LTV calculator
Property value + deposit → loan-to-value band, indicative rate range, and how much more deposit drops you a tier.
Compare two mortgages
Two deals side by side — different rates, fees, terms — to see total cost, lifetime interest, and the £ winner.
Affordability calculator
Income, deposit, outgoings → max loan and max property price using UK lender rules + a +3% stress test.
Buy-to-Let yield
Gross & net yield + monthly cashflow with voids, agent fees, maintenance. Plus a +2% cashflow stress test.
The same numbers comparison sites give you.
Plus the answer.
Every calculator on LadderIQ funnels into our AI agent — so once you've worked out your monthly payment or your stamp duty, you can ask "is this a good deal?", "should I wait for rates to drop?", or "what if I overpay £200/mo?" — and get a £-denominated answer using your own numbers.
- Personalised verdicts. Not just "your monthly payment is £1,180" — but whether that's competitive given today's market and your deal end date.
- Saved scenarios + alerts. Get notified when a deal beats your current rate, when your ERC steps down, or when your LTV crosses a band. (Coming soon.)
- No upsell, no broker calls. We don't take commission from lenders. Inputs stay in your browser.
Ask the agent first.
If you already know your balance and rate, just ask. The agent will run the calculations for you and explain the answer in plain English.