Free Tool — Repayment & Interest Only

Mortgage
Calculator

Estimate your monthly mortgage repayments and total interest on any residential property purchase. Enter your loan amount, interest rate and term to get an instant breakdown.

Calculate Your Repayments

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What affects your mortgage?

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Interest Rate

Even a 0.5% difference in rate can significantly change your monthly payment and total cost. Compare fixed vs. variable rates carefully.

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Mortgage Term

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

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Deposit Size

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

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