Mortgage repayments calculator
See what your monthly mortgage payment could look like. Adjust the loan amount, interest rate and term to compare scenarios — whether you're a first-time buyer, remortgaging, or moving home.
Monthly payment
£1,390
Total interest
£166,874
Total repayable
£416,874
Illustrative figures only. Your actual rate and monthly payment depend on the lender, product type and your personal circumstances. Your home may be repossessed if you do not keep up repayments on your mortgage.
Repayment vs interest-only
On a repayment mortgage your monthly payment covers both the interest and a portion of the capital, so the balance gradually reduces to zero by the end of the term. On an interest-only mortgage you only pay the interest each month, and the original loan is still owed at the end of the term — you'll need a separate plan to repay it.
Things to keep in mind
- Rates shown are illustrative — actual products vary by lender, LTV and credit profile.
- Fixed deals revert to a higher standard variable rate (SVR) at the end of the fixed period.
- Most lenders charge product fees that can be added to the loan or paid upfront.
Other mortgage calculators
More tools to help you plan your mortgage.
How much can I borrow?
Estimate your maximum mortgage based on income and outgoings.
Overpayment calculator
See how much interest and time you'd save by overpaying.
Loan to Value calculator
See your LTV ratio and how it affects the rates you can access.
Remortgage calculator
Compare your current deal against new rates to see potential savings.