Our Tools

Lockwell Finance provides simple, practical tools to help landlords, investors, developers, and overseas buyers make informed property finance decisions. Whether you are estimating mortgage repayments or checking stamp duty costs, our calculators give you clear figures to support your next step.

Mortgage Calculator

Calculate your estimated monthly mortgage repayments based on the loan amount, interest rate, term, and repayment type.

Stamp Duty Calculator

Estimate how much stamp duty you may need to pay when buying a property in the UK, based on the purchase price and buyer type.

How it works

01

Share your goal

Tell us what you’re trying to achieve, your timeline, and the property or business context.

02

Document preparation

We help you gather what’s needed to reduce avoidable delays.

03

Application to completion

We support the process through to completion with clear updates throughout.

Why clients choose Lockwell Finance

Tailored solutions based on your timeline and borrower profile

Clear communication without jargon or confusion

Speed and structure to keep deals moving

End-to-end guidance from first enquiry to completion

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Years of Experience

Frequently Asked Questions

Below are the answers to the most common questions we receive.

What services do you offer?

We support Buy-to-Let mortgages, bridging loans, refurbishment bridging, developer exit loans, foreign national UK mortgages, overseas mortgages, and UAE company setup support.

How do I get started?

Send us the basic details of your enquiry (property type, purchase price/value, loan amount, deposit, timeline, and whether you’re applying personally or via a company/SPV). We’ll come back with clear next steps and a document checklis

What documents will I usually need?

It depends on the product and your profile, but common documents include proof of ID and address, bank statements, proof of income (payslips or accounts), deposit/source of funds evidence, and property details. For remortgages, lenders typically request your current mortgage statement too.

How long does a mortgage application take?

Timeframes vary by lender, documentation readiness, valuation availability, and legal work. A well-prepared application moves faster, so we focus on getting the documents right from the start to reduce delays.

How quickly can a bridging loan complete?

Bridging is designed for speed, but completion depends on valuation, legal work, and document readiness. If you have an auction deadline or urgent completion date, tell us upfront so we can advise the most realistic route.

What is the difference between a mortgage and a bridging loan?

A mortgage is usually long-term finance, while a bridging loan is short-term funding used for speed, flexibility, or properties that need works before longer-term lending is suitable.

Can I apply through a limited company or SPV?

Yes, many property investors apply via a limited company or SPV. Requirements vary by lender, but we can guide you through the typical documents and structure considerations.

Can foreign nationals get a UK mortgage?

In many cases, yes. Lender options depend on residency status, deposit strength, income type, and documentation. We’ll help you understand what’s required and which route is realistic.

Can I get a UK mortgage if I live overseas?

Often yes, depending on your deposit position, income evidence, and the property type. Overseas applications usually require clear proof of income and source of funds, so preparation is key.

Can you help if the property needs refurbishment?

Yes. If the property needs works before it’s suitable for standard mortgage lending, refurbishment bridging (or a bridging solution) may be appropriate. We’ll review the scope of works, budget, timeline, and exit plan to advise the best route.