Purchasing a home whether it be a flat or house is one of the biggest commitments you'll ever make in your life. If you're like most people, you'll have to borrow money to buy your home, which means you'll spend the next 20, 25 or 30 years paying off the mortgage. Because the financial commitment is so long and so extensive, it can really pay off to do your homework on various lenders and interest rates before signing on the dotted line. It's important to be able to compare prospective deals even if the terms aren't exactly the same. One of the best ways to do this is to use home mortgage calculators to help with the comparisons. To get started use the two mortgage rate calculators that you see above to do your mortgage calculations. See  how much you can borrow, which of course is almost totally dependent on your income and personal circumstances. You can buy a home using your salary only, or combined with your partners income. It's really simple to calculate a mortgage.

Although the specific layouts and features of mortgage loan calculators vary, most of them show the financial information that is most critical to assessing the terms of your mortgage. Typical home mortgage calculators list your monthly payments and show the ratio of principal to interest in those payments. In order to generate this data, you have to submit the initial amount that you borrowed, the number of monthly payments you'll make over the course of the entire mortgage period, and the interest rate that your lender charges. Because of the data that loan mortgage calculators take into account, it would be very easy for you to instantly compare offers from different banks and building societies based on changes in any of the variables listed above.

Many banks, building societies and other lending institutions provide loan mortgage calculators on their websites that are free for anyone to use. All you have to do is input the variables that are specific to your situation, hit the "Mortgage Calc" or "Calculate" button, and watch as the data appears instantly.

Once you have studied the data generated by various free mortgage rate calculators, you can make more informed decisions regarding your borrowing options. When you see all 30 years' worth of mortgage data listed out in mortgage calculators online, it's much easier to get a clear picture of what your financial situation will be like for the next few decades, which in turn makes it easier for you to choose the lender that's offering the best deal. So before you commit to a 20, 25 or 30 year repayment or interest only mortgage, do some comparisons with the loan morgage calculaters to make sure you know what you're getting into.

Bedfordshire Beds (Bedford, Luton, Dunstable, Leighton Buzzard, Biggleswade, Sandy) Berkshire Berks (Reading, Bracknell, Maidenhead, Newbury, Windsor, Wokingham, Abingdon) Buckinghamshire Bucks (Aylesbury, Milton Keynes, Slough, Buckingham, High Wycombe) Cambridgeshire Cambs (Cambridge, Wisbech, Ely, March, Whittlesey, Chatteris, Linton) Cheshire Ches (Chester, Stockport, Birkenhead, Wallasey, Runcorn, Macclesfield, Crewe) Cornwall (Bodmin, Truro, Camborne, Redruth, St. Austell, Falmouth, Penzance, Newquay) Cumberland (Carlisle, Whitehaven, Workington, Penrith, Keswick, Brampton) Derbyshire Derbys (Derby, Chesterfield, Ilkeston, Swadlincote, Buxton, Matlock, Ashbourne) Devon (Exeter, Plymouth, Torquay, Paignton, Barnstaple, Tiverton, Newton Abbot, Tavistock) Dorset (Dorchester, Poole, Weymouth, Sherborne, Wimborne Minster, Shaftesbury) Durham (Durham, Sunderland, Stockton-on-Tees, Darlington, Hartlepool, Gateshead, Washington) Essex (Chelmsford, Basildon, Romford, Southend, Colcheter, Harlow, Brentwood, West Ham) Gloucestershire Glous (Gloucester, Bristol, Cheltenham, Stroud, Cirencester, Tewkesbury) Hampshire Hants (Winchester, Southampton, Portsmouth, Bournemouth, Basingstoke, Newport) Herefordshire (Hereford, Ross-on-Wye, Leominster, Ledbury, Bromyard, Kington) Hertfordshire Herts (Hertford, Watford, St. Albans, Hemel Hempstead, Stevenage, Hatfield) Huntingdonshire Hunts (Huntingdon, St. Ives, St. Neots, Ramsey, Yaxley) Kent (Maidstone, Canterbury, Bromley, Rochester, Margate, Folkestone, Dover, Greenwich) Lancashire Lancs (Lancaster, Liverpool, Manchester, Preston, Bolton, Warrington, Barrow-in-Furness) Leicestershire Leics (Leicester, Loughborough, Hinckley, Melton Mowbray, Coalville, Lutterworth) Lincolnshire Lincs (Lincoln, Grimsby, Scunthorpe, Boston, Grantham, Stamford, Skegness, Louth) Middlesex (City of London, Harrow, Enfield, Staines, Ealing, Potters Bar, Westminster ) Norfolk (Norwich, Great Yarmouth, King's Lynn, Dereham, Cromer, Hunstanton) Northamptonshire (Northampton, Peterborough, Corby, Kettering, Wellingborough) Northumberland (Alnwick, Newcastle-upon-Tyne, Morpeth, Hexham, Berwick-upon-Tweed) Nottinghamshire (Nottingham, Mansfield, Worksop, Newark, Retford, Southwell) Oxfordshire (Oxford, Banbury, Witney, Bicester, Henley-on-Thames, Carterton, Thame) Rutland (Oakham, Uppingham. Cottesmore) Shropshire Salop (Shrewsbury, Telford, Oswestry, Bridgnorth, Whitchurch, Market Drayton, Ludlow), Somerset (Taunton, Bath, Weston-super-Mare, Yeovil, Bridgwater, Wells, Glastonbury) Staffordshire Staffs (Stafford, Stoke-on-Trent, Wolverhampton, Walsall, Cannock, Lichfield) Suffolk (Ipswich, Bury St. Edmunds, Lowestoft, Felixstowe, Sudbury, Haverhill, Bungay) Surrey (Guildford, Croydon, Woking, Sutton, Kingston-on-Thames, Wandsworth, Wimbledon, Brixton) Sussex (Chichester, Brighton, Worthing, Crawley, Hastings, Eastbourne, Bognor Regis, Horsham) Warwickshire (Warwick, Birmingham, Coventry, Nuneaton, Rugby, Solihull, Stratford-upon-Avon) Westmorland (Appleby, Kendal, Windermere, Ambleside, Kirkby Lonsdale) Wiltshire Wilts (Trowbridge, Salisbury, Swindon, Chippenham, Devizes, Marlborough, Warminster) Worcestershire Worcs (Worcester, Dudley, Kidderminster, Stourbridge, Halesowen, Malvern, Evesham) Yorkshire Yorks  North Riding (Northallerton, Middlesbrough, Scarborough, Whitby)  East Riding (Beverley, Hull, Bridlington, Driffield, Hornsea, Filey)  West Riding (Wakefield, Leeds, Sheffield, Bradford, Halifax, Harrogate) York Mid Wales Anglesey Sir Fon (Beaumaris, Holyhead, Llangefni, Amlwch, Menai Bridge) Brecknockshire Sir Frycheiniog (Brecon, Builth Wells, Hay-on-Wye, Talgarth, Llanwrtwd Wells) Caernarfonshire Sir Gaernarfon (Caernarfon, Bangor, Llandudno, Conwy, Pwllheli, Porthmadog) Carmarthenshire Sir Gaerfyrddin (Carmarthen, Llanelli, Ammanford, Llandovery, Kidwelly, St. Clears) Cardiganshire Ceredigion (Cardigan, Aberystwyth, Lampeter, New Quay, Tregaron) Denbighshire Sir Ddinbych (Denbigh, Wrexham, Ruthin, Abergele, Llangollen) Flintshire Sir Fflint (Mold, Flint, Rhyl, Prestatyn, Connah's Quay, Holywell, Buckley, St. Asaph) Glamorgan, Morgannwg (Cardiff, Swansea, Merthyr Tydfil, Barry, Caerphilly, Bridgend, Neath, Pontypridd) Merioneth, Meirionnydd (Dolgellau, Bala, Tywyn, Blaenau Ffestiniog, Barmouth, Harlech) Monmouthshire Sir Fynwy (Monmouth, Newport, Blackwood, Cwmbran, Abergavenny, Chepstow, Tredegar) Montgomeryshire Sir Drefaldwyn (Montgomery, Newtown, Welshpool, Machynlleth, Llanidloes) Pembrokeshire Sir Benfro (Pembroke, Milford Haven, Haverfordwest, Fishguard, Tenby, St. David's) Radnorshire Sir Faesyfed (Presteigne, Llandrindod Wells, Knighton, Rhayader, New Radnor) Aberdeenshire (Aberdeen, Peterhead, Fraserburgh, Inverurie, Huntley, Ellon, Turriff) Angus Forfarshire (Forfar, Dundee, Arbroath, Brechin, Montrose, Carnoustie, Kirriemuir) Argyllshire (Inveraray, Oban, Dunoon, Campbeltown, Lochgilphead, Tobermory) Ayrshire (Ayr, Kilmarnock, Irvine, Saltcoats, Kilwinning, Largs, Troon, Cumnock) Banffshire (Banff, Buckie, Keith, Macduff, Portsoy, Dufftown) Berwickshire (Greenlaw, Duns, Eyemouth, Lauder, Coldstream) Buteshire (Rothesay, Millport, Brodick, Lochranza) Cromartyshire (Cromarty, Ullapool) Caithness (Wick, Thurso, Halkirk, Castletown) Clackmannanshire (Clackmannan, Alloa, Tillicoultry, Tullibody) Dumfriesshire (Dumfries, Annan, Lockerbie, Moffat, Sanquhar, Langholm, Gretna) Dunbartonshire Dumbartonshire (Dumbarton, Clydebank, Cumbernauld, Helensburgh, Alexandria, Kirkintilloch) East Lothian Haddingtonshire (Haddington, North Berwick, Dunbar, Tranent, East Linton) Fife (Cupar, Dunfermline, Glenrothes, Kirkcaldy, St. Andrews, Cowdenbeath, Burntisland) Inverness-shire (Inverness, Fort William, Kingussie, Newtonmore, Portree) Kincardineshire (Stonehaven, Banchory, Laurencekirk, Inverbervie) Kinross-shire (Kinross, Milnathort) Kirkcudbrightshire (Kircudbright, Castle Douglas, Dalbeattie, New Galloway) Lanarkshire (Lanark, Glasgow, East Kilbride, Hamilton, Motherwell, Coatbridge, Carluke) Midlothian Edinburghshire (Edinburgh, Musselburgh, Penicuik, Dalkeith, Bonnyrigg) Morayshire (Elgin, Forres, Rothes, Lossiemouth, Fochabers) Nairnshire (Nairn, Auldearn, Cawdor, Ferness) Orkney (Kirkwall, Sromness, Balfour) Peeblesshire (Peebles, Innerleithen, West Linton) Perthshire (Perth, Crieff, Pitlochry, Callander, Blairgowrie, Rattray, Coupar Angus, Kincardine) Renfrewshire (Renfrew, Paisley, Greenock, Johnstone, Port Glasgow, Barrhead, Kilmalcolm) Ross-shire (Dingwall, Stornaway, Tain, Alness, Invergorden) Roxburghshire (Jedburgh, Hawick, Kelso, Melrose, Roxburgh) Selkirkshire (Selkirk, Clovenfords, Galashiels) Shetland (Lerwick, Scalloway, Baltasound) Stirlingshire (Stirling, Falkirk, Grangemouth, Kilsyth, Bridge of Allan, Denny, Alva) Sutherland (Dornoch, Helmsdale, Brora, Golspie, Lairg, Durness, Tongue) West Lothian Linlithgowshire (Linlithgow, Livingston, Bo'ness, Broxburn, Whitburn, Armadale, Bathgate) Wigtownshire (Wigtown, Stranraer, Newton Stewart, Whithorn) North South East and West, Midlands, Northern Southern Western Eastern Mids England, Scotland, Wales and Northern Ireland

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