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UK

Finance

Currency converter with daily ECB rates and QR codes for instant bank transfers.

Currency converterDaily ECB rates for 30+ currencies including GBP, EUR, CZK and PLN.Payment QR codeSEPA (EPC) QR codes for instant bank transfers.Mortgage calculatorMonthly payment, amortisation and bank-rate comparison.How much can I borrow?Mortgage affordability under the UK LTI multiple.
Show for other countries too (15)

The finance calculators here cover three separate situations: converting a currency at the official rate, generating a QR code for a bank transfer, and the sums around a mortgage in eight European countries.

The currency converter uses the European Central Bank's daily reference rates, so the result matches the rate banks work from — not the rate a bureau de change will actually sell you. The QR code generator handles three formats: EPC for euro SEPA transfers, PAY by square for Slovak banks and QR Platba for Czech ones.

There are two mortgage calculators and they answer two different questions. The repayment calculator takes the loan amount, the rate and the term and tells you the monthly payment. The borrowing power calculator works the other way round: from your income and existing commitments it works out what a lender will actually offer. For the UK that means the loan-to-income multiple, typically 4.5 to 5.5 times gross annual income, and loan-to-value of up to 95%. Each country has its own version, because those limits differ everywhere.

Mortgage guides
AffordabilityHow much can I borrow for a mortgage in the UK? (2026)Ask ten lenders how much you can borrow and you'll get numbers within a few thousand pounds of each other – because they're all working from the same two limits. Here's what those limits are and how to work out your own number before you apply.7 min read
Fixed ratesFixed vs. tracker mortgage: how each one actually worksA fixed-rate mortgage and a tracker mortgage can start at almost the same monthly payment and still behave completely differently over the following five years – one is a promise, the other is a formula that moves with the base rate.7 min read
Fixed ratesRemortgaging when your fix ends: how much reverting to SVR costsA fixed-rate deal doesn't renew itself. The day it ends, the mortgage moves automatically onto the lender's Standard Variable Rate – almost always the most expensive rate that lender offers – unless a new deal is arranged first.7 min read