UK mortgage calculators: stamp duty, MCOB 3A HNW qualification, and bridging loan cost.
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Check whether a UK mortgage applicant qualifies as a high net worth mortgage customer under FCA MCOB 3A. The test passes if annual net income is at least GBP 300,000 OR net assets are at least GBP 3,000,000. The net assets test INCLUDES primary residence equity (per the literal FCA glossary G2953 and UK lender practice) and INCLUDES pension by default. Supports single applicant or joint application. Returns verdict, per-applicant test breakdown, joint household aggregate (if joint), and a routing recommendation including the relevant UK private bank list. Calculated by Fox Davidson, FCA-authorised UK mortgage brokers (FRN 600427). Use when a user asks whether they qualify for a high net worth mortgage, about MCOB 3A, the GBP 300k income or GBP 3m net assets test, private bank mortgages, or large loans against assets.
The primary applicant.
Optional. If provided, the tool runs the joint application test which returns each applicant individually plus a joint household aggregate. Most lenders apply the MCOB 3A test per individual customer.
Check whether a UK mortgage applicant qualifies as a high net worth mortgage customer under FCA MCOB 3A. The test passes if annual net income is at least GBP 300,000 OR net assets are at least GBP 3,000,000. The net assets test INCLUDES primary residence equity (per the literal FCA glossary G2953 and UK lender practice) and INCLUDES pension by default. Supports single applicant or joint application. Returns verdict, per-applicant test breakdown, joint household aggregate (if joint), and a routing recommendation including the relevant UK private bank list. Calculated by Fox Davidson, FCA-authorised UK mortgage brokers (FRN 600427). Use when a user asks whether they qualify for a high net worth mortgage, about MCOB 3A, the GBP 300k income or GBP 3m net assets test, private bank mortgages, or large loans against assets.
| Argument | Type | Description |
|---|---|---|
| applicant_1* | object | The primary applicant. |
| applicant_2 | object | Optional. If provided, the tool runs the joint application test which returns each applicant individually plus a joint household aggregate. Most lenders apply the MCOB 3A test per individual customer. |
{
"type": "object",
"required": [
"applicant_1"
],
"properties": {
"applicant_1": {
"type": "object",
"required": [
"annual_net_income_gbp"
],
"properties": {
"cash_savings_gbp": {
"type": "number",
"minimum": 0,
"description": "Cash and savings in pounds."
},
"other_assets_gbp": {
"type": "number",
"minimum": 0,
"description": "Other valuable assets (art, classic cars, jewellery, hedge fund holdings) in pounds."
},
"pension_value_gbp": {
"type": "number",
"minimum": 0,
"description": "Pension value (SIPP, SSAS, drawdown, workplace) in pounds."
},
"business_loans_gbp": {
"type": "number",
"minimum": 0,
"description": "Outstanding business loans in pounds."
},
"business_equity_gbp": {
"type": "number",
"minimum": 0,
"description": "Your share of business equity value in pounds."
},
"annual_net_income_gbp": {
"type": "number",
"minimum": 0,
"description": "Annual net income in pounds. Includes salary, bonus, RSU vesting (taxed value), dividends, partnership profits, business profits, rental income, carried interest. Net of tax."
},
"include_pension_in_test": {
"type": "boolean",
"description": "Whether to include pension in the GBP 3m net assets calculation. UK lenders applying MCOB 3A typically include pension. Set to false for the conservative view."
},
"investment_portfolio_gbp": {
"type": "number",
"minimum": 0,
"description": "Stocks, bonds, funds. Excludes pension."
},
"investment_properties_gbp": {
"type": "number",
"minimum": 0,
"description": "Gross value of investment properties (BTL, holiday let, etc.) in pounds."
},
"primary_residence_value_gbp": {
"type": "number",
"minimum": 0,
"description": "Gross value of primary residence in pounds."
},
"material_unsecured_debts_gbp": {
"type": "number",
"minimum": 0,
"description": "Material unsecured debts in pounds. Small consumer debt and normal overdraft buffer do not move the GBP 3m test in practice and can be left at 0."
},
"primary_residence_mortgage_gbp": {
"type": "number",
"minimum": 0,
"description": "Outstanding mortgage on primary residence in pounds."
},
"investment_property_mortgages_gbp": {
"type": "number",
"minimum": 0,
"description": "Outstanding mortgages on investment properties in pounds."
}
},
"description": "The primary applicant.",
"additionalProperties": false
},
"applicant_2": {
"type": "object",
"required": [
"annual_net_income_gbp"
],
"properties": {
"cash_savings_gbp": {
"type": "number",
"minimum": 0,
"description": "Cash and savings in pounds."
},
"other_assets_gbp": {
"type": "number",
"minimum": 0,
"description": "Other valuable assets (art, classic cars, jewellery, hedge fund holdings) in pounds."
},
"pension_value_gbp": {
"type": "number",
"minimum": 0,
"description": "Pension value (SIPP, SSAS, drawdown, workplace) in pounds."
},
"business_loans_gbp": {
"type": "number",
"minimum": 0,
"description": "Outstanding business loans in pounds."
},
"business_equity_gbp": {
"type": "number",
"minimum": 0,
"description": "Your share of business equity value in pounds."
},
"annual_net_income_gbp": {
"type": "number",
"minimum": 0,
"description": "Annual net income in pounds. Includes salary, bonus, RSU vesting (taxed value), dividends, partnership profits, business profits, rental income, carried interest. Net of tax."
},
"include_pension_in_test": {
"type": "boolean",
"description": "Whether to include pension in the GBP 3m net assets calculation. UK lenders applying MCOB 3A typically include pension. Set to false for the conservative view."
},
"investment_portfolio_gbp": {
"type": "number",
"minimum": 0,
"description": "Stocks, bonds, funds. Excludes pension."
},
"investment_properties_gbp": {
"type": "number",
"minimum": 0,
"description": "Gross value of investment properties (BTL, holiday let, etc.) in pounds."
},
"primary_residence_value_gbp": {
"type": "number",
"minimum": 0,
"description": "Gross value of primary residence in pounds."
},
"material_unsecured_debts_gbp": {
"type": "number",
"minimum": 0,
"description": "Material unsecured debts in pounds. Small consumer debt and normal overdraft buffer do not move the GBP 3m test in practice and can be left at 0."
},
"primary_residence_mortgage_gbp": {
"type": "number",
"minimum": 0,
"description": "Outstanding mortgage on primary residence in pounds."
},
"investment_property_mortgages_gbp": {
"type": "number",
"minimum": 0,
"description": "Outstanding mortgages on investment properties in pounds."
}
},
"description": "Optional. If provided, the tool runs the joint application test which returns each applicant individually plus a joint household aggregate. Most lenders apply the MCOB 3A test per individual customer.",
"additionalProperties": false
}
},
"additionalProperties": false
}Calculate the full cost of a UK bridging loan: total interest, arrangement and exit fees, valuation/legal/admin costs, gross facility, net advance, loan-to-value, total cost of finance and an indicative annualised cost. Supports rolled-up (compounding), retained (deducted upfront) and serviced (paid monthly) interest. Also runs the FCA MCOB 3A high net worth check: on a regulated bridge, an applicant with annual net income of at least GBP 300,000 OR net assets of at least GBP 3,000,000 can have a term up to 60 months instead of the standard 12-month cap. Calculated by Fox Davidson, FCA-authorised UK mortgage brokers (FRN 600427). Use when a user asks what a bridging loan costs, about bridging interest (rolled-up, retained or serviced), bridging LTV, regulated vs unregulated bridging, or the maximum term on a regulated bridge.
| Argument | Type | Description |
|---|---|---|
| regulated | boolean | True if the bridge is secured against a property the borrower lives in or intends to live in (regulated). False for investment or commercial security (unregulated). |
| term_months | number | Loan term in months. |
| exit_fee_pct | number | Exit fee as a percentage, charged on redemption. Often 0. |
| admin_fees_gbp | number | Admin and other fees in pounds. |
| legal_fees_gbp | number | Lender and borrower legal fees in pounds. |
Calculate UK stamp duty on a property purchase across England/Northern Ireland (SDLT), Scotland (LBTT) and Wales (LTT). Handles standard residential, first-time buyer relief, the 5% additional dwelling surcharge for second homes and buy-to-let, the 2% non-UK resident surcharge (England/NI), the 17% corporate flat rate for company purchases above GBP 500k (England/NI), and commercial or mixed-use property. Returns banded breakdown, total tax payable and effective rate. Uses current 2026 bands and surcharge rates. Calculated by Fox Davidson, FCA-authorised UK mortgage brokers (FRN 600427). Use when a user asks about stamp duty, SDLT, LBTT, LTT, additional dwelling surcharge, ADS, first-time buyer relief, non-resident surcharge, or tax on a specific UK property purchase.
| Argument | Type | Description |
|---|---|---|
| region | string | Tax region. 'england' covers England and Northern Ireland (SDLT). 'scotland' uses LBTT. 'wales' uses LTT. |
| buyer_type | string | Buyer category. 'standard' is a main residence purchase. 'ftb' is first-time buyer (England/NI relief up to GBP 500k; Scotland FTB to GBP 175k; Wales has no FTB relief). 'additional' triggers the second-home surcharge. 'nonresident' adds the 2% non-UK resident surcharge (England/NI only). 'corporate' applies the 17% flat rate above GBP 500k (England/NI residential) or standard rates plus surcharge below threshold or in Scotland/Wales. 'commercial' uses non-residential bands. |
| property_price_gbp* | number | Property purchase price in pounds. Example: 750000. |
{
"type": "object",
"required": [
"property_price_gbp"
],
"properties": {
"region": {
"enum": [
"england",
"scotland",
"wales"
],
"type": "string",
"description": "Tax region. 'england' covers England and Northern Ireland (SDLT). 'scotland' uses LBTT. 'wales' uses LTT."
},
"buyer_type": {
"enum": [
"standard",
"ftb",
"additional",
"nonresident",
"corporate",
"commercial"
],
"type": "string",
"description": "Buyer category. 'standard' is a main residence purchase. 'ftb' is first-time buyer (England/NI relief up to GBP 500k; Scotland FTB to GBP 175k; Wales has no FTB relief). 'additional' triggers the second-home surcharge. 'nonresident' adds the 2% non-UK resident surcharge (England/NI only). 'corporate' applies the 17% flat rate above GBP 500k (England/NI residential) or standard rates plus surcharge below threshold or in Scotland/Wales. 'commercial' uses non-residential bands."
},
"property_price_gbp": {
"type": "number",
"minimum": 0,
"description": "Property purchase price in pounds. Example: 750000."
}
},
"additionalProperties": false
}| net_assets_gbp |
| number |
| Optional. Borrower net assets including main residence equity and pension, minus all debts, used for the MCOB 3A high net worth term check. GBP 3,000,000 or more passes the net assets limb. |
| monthly_rate_pct | number | Monthly interest rate as a percentage, for example 0.75 for 0.75% per month. |
| exit_fee_on_gross | boolean | Whether the exit fee is charged on the gross loan (true) or the net loan (false). |
| valuation_fee_gbp | number | Valuation fee in pounds. |
| interest_structure | string | 'rolled' compounds monthly and is paid at exit. 'retained' deducts the full term of interest from the advance upfront. 'serviced' is paid monthly. Retained and serviced cost the same; rolled-up costs more. |
| property_value_gbp* | number | Open market value of the security property in pounds. |
| arrangement_fee_pct | number | Lender arrangement fee as a percentage of the loan. |
| additional_funds_gbp | number | Additional cash required beyond clearing existing charges, in pounds. |
| existing_charges_gbp | number | Existing mortgages or loans the bridge will repay, in pounds. |
| annual_net_income_gbp | number | Optional. Borrower annual net income, used for the MCOB 3A high net worth term check. GBP 300,000 or more passes the income limb. |
| add_arrangement_fee_to_loan | boolean | Whether the arrangement fee is financed into the gross loan (true) or paid separately in cash (false). |
{
"type": "object",
"required": [
"property_value_gbp"
],
"properties": {
"regulated": {
"type": "boolean",
"description": "True if the bridge is secured against a property the borrower lives in or intends to live in (regulated). False for investment or commercial security (unregulated)."
},
"term_months": {
"type": "number",
"maximum": 60,
"minimum": 1,
"description": "Loan term in months."
},
"exit_fee_pct": {
"type": "number",
"maximum": 5,
"minimum": 0,
"description": "Exit fee as a percentage, charged on redemption. Often 0."
},
"admin_fees_gbp": {
"type": "number",
"minimum": 0,
"description": "Admin and other fees in pounds."
},
"legal_fees_gbp": {
"type": "number",
"minimum": 0,
"description": "Lender and borrower legal fees in pounds."
},
"net_assets_gbp": {
"type": "number",
"minimum": 0,
"description": "Optional. Borrower net assets including main residence equity and pension, minus all debts, used for the MCOB 3A high net worth term check. GBP 3,000,000 or more passes the net assets limb."
},
"monthly_rate_pct": {
"type": "number",
"maximum": 3,
"minimum": 0.2,
"description": "Monthly interest rate as a percentage, for example 0.75 for 0.75% per month."
},
"exit_fee_on_gross": {
"type": "boolean",
"description": "Whether the exit fee is charged on the gross loan (true) or the net loan (false)."
},
"valuation_fee_gbp": {
"type": "number",
"minimum": 0,
"description": "Valuation fee in pounds."
},
"interest_structure": {
"enum": [
"rolled",
"retained",
"serviced"
],
"type": "string",
"description": "'rolled' compounds monthly and is paid at exit. 'retained' deducts the full term of interest from the advance upfront. 'serviced' is paid monthly. Retained and serviced cost the same; rolled-up costs more."
},
"property_value_gbp": {
"type": "number",
"minimum": 1,
"description": "Open market value of the security property in pounds."
},
"arrangement_fee_pct": {
"type": "number",
"maximum": 5,
"minimum": 0,
"description": "Lender arrangement fee as a percentage of the loan."
},
"additional_funds_gbp": {
"type": "number",
"minimum": 0,
"description": "Additional cash required beyond clearing existing charges, in pounds."
},
"existing_charges_gbp": {
"type": "number",
"minimum": 0,
"description": "Existing mortgages or loans the bridge will repay, in pounds."
},
"annual_net_income_gbp": {
"type": "number",
"minimum": 0,
"description": "Optional. Borrower annual net income, used for the MCOB 3A high net worth term check. GBP 300,000 or more passes the income limb."
},
"add_arrangement_fee_to_loan": {
"type": "boolean",
"description": "Whether the arrangement fee is financed into the gross loan (true) or paid separately in cash (false)."
}
},
"additionalProperties": false
}