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Mortgage Calculator

Estimate your monthly repayments on a home purchase — repayment or interest-only, updated as you type.

Mortgage type
Repayment Interest only

Estimate only — actual repayments depend on your lender's terms. Always get independent financial advice before committing.

Your estimate

£0

Monthly payment

Loan amount £0
Total repayable £0
Total interest £0

What affects your mortgage

Three things that move the number

01

Interest rate

Even a 0.5% difference changes your monthly payment and total cost significantly. Fixed rates give certainty; variable rates can move with the base rate.

02

Mortgage term

A longer term means lower monthly payments but more interest paid overall. Most residential mortgages run 25–30 years.

03

Deposit size

A bigger deposit means a lower loan-to-value ratio, which typically unlocks better interest rates from lenders.

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