Calculators
These calculators are designed to give you a quick, high-level indication of how different mortgage and income scenarios might look.
They’re useful for early planning and sense-checking numbers, but they’re not a substitute for personalised advice. Everyone’s situation is different, and figures can change once full details are taken into account.
If the results raise questions or you want to understand what’s realistically achievable, that’s where a conversation becomes valuable.
Calculators
These calculators provide general guidance only and do not constitute personalised mortgage advice.
Affordability Calculator
Quickly estimate how much you could borrow based on your income, deposit, and mortgage details.
Further Advance Calculator
Get an estimate of your monthly mortgage payments by entering the loan amount, interest rate, and term.
Stamp Duty Calculator
Find out how much Stamp Duty you’ll need to pay based on your property price and location.
Overpayments Calculator
See how making extra payments could reduce your mortgage term and total interest.
Payment Holiday Calculator
Thinking about pausing your payments? See how a payment holiday could affect your mortgage term and total cost.
Salary Calculator
Calculate your take-home pay after tax, National Insurance, and pension deductions.
Start With a Conversation
Every situation is different. A short conversation is often the easiest way to get clarity on what options are available and whether I’m the right person to help.
I work with property investors, limited company landlords and residential clients who want clear, straightforward advice before making a commitment.
There’s no pressure to proceed. Just an initial discussion to understand your plans and decide the best next step.
Your trusted partner for mortgages and protection, here to help you stay organised, secure, and confident in every financial decision. If you’d like to make your mortgage and protection journey simple and stress-free, just get in touch—I’m here to help.
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Legal
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgages and protection products are subject to eligibility and lender criteria.
Equity release may reduce the value of your estate and affect your entitlement to means-tested benefits.
Buy-to-let mortgages are not usually regulated by the Financial Conduct Authority.
MJS Finance is a trading style of Freedom Financial. Authorised and regulated by the Financial Conduct Authority.
We are authorised and regulated by the Financial Conduct Authority. FCA number: 920865.
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