Mortgage calculators
Work out what you could afford
MORTGAGES
Use our mortgage calculators to see how much you could afford to borrow and what your monthly payments might be.(1)
Our other calculators
Affordability calculator
Check if you can afford the amount you’d like to borrow from us.
Buy-to-let calculator
See if we could lend you the amount you need for a property you’ll rent out.
Offset calculator
Use our offset calculator to see how your savings could lower your overall mortgage term or monthly payments.
Interest rate change calculator
See how a change of interest rates could affect your mortgage payments.
Need help with your mortgage?
Visit the support hub for all the latest mortgage information and to find out more about the government’s new Mortgage Charter.
Frequently asked questions
Mortgage interest rates are the percentage you’re charged for borrowing. We offer fixed and variable-rate mortgages to suit your needs, depending on market conditions.
It’s based on your outstanding balance, interest rate and term. To see how much you’ll pay over time, take a look at our affordability calculator.
If rates rise, your payments will increase on a variable-rate mortgage. To see how rate changes might impact your mortgage payments, use our interest rate change calculator.
Affordability is based on your income, outgoings and outstanding debts. To see how much you can borrow, take a look at our mortgage affordability calculator.
Guides to help
Greener homes
Find out how you could make your home more energy efficient and discover the latest offers available if you have a residential mortgage with us.
How to start your application
If you’re ready to apply, start your mortgage application by getting an Agreement in Principle (AiP).
Get expert advice
Read our guides to find the right mortgage for you(2). You can also see if you’re eligible to apply for a 95% mortgage.
Get help or contact us
Chat to us online
If you already bank with us, you can open a chat in Nova Bank app.
Call us
0333 202 7580
Our mortgage experts are available Monday to Friday from 8am to 8pm, Saturdays from 9am to 5pm, Sundays closed, and bank holidays from 9am to 5pm. To maintain a quality service, we may monitor or record phone calls. Call charges .
Visit a branch
Find a branch near you that offers appointments with mortgage advisers and see when we’re open.
Message us
If you are an existing customer, you can message us in the Nova Bank app
Open a Nova Bank Bank Account
Scan the QR code using your phone camera to get started
Scan the QR code with your phone or tablet, or tap the App Store or Google Play buttons below to download the app and begin your application. T&Cs and eligibility apply. 18+ and UK only.
Important information
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Your home may be repossessed if you do not keep up repayments on your mortgage.(Return to reference)
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You can also check our full mortgage range [PDF] to see if our other mortgages are suitable for you, download our tariff of mortgage charges [PDF] and read our legal information. Subject to application, financial circumstances & borrowing history. T&Cs apply.(Return to reference)