Mortgage Repayment Calculator
Estimate your monthly mortgage repayments.
Enter a mortgage amount, interest rate and term to see an illustration of monthly repayments, total interest and the overall amount repayable.
This calculator assumes a standard capital-and-interest repayment mortgage with a constant interest rate throughout the term.
Your figures
Mortgage details
Adjust the figures below to explore how the estimated monthly repayment changes.
Estimated repayment
Monthly repayment
£1,667
per month
Total interest
£200,249
Total repayable
£500,249
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An adviser can assess your income, commitments, deposit and wider circumstances against lender criteria.
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What changes your monthly repayment?
The illustration is driven by three main figures, but the mortgage you ultimately obtain may differ depending on product structure, fees and lender criteria.
Loan
Mortgage amount
A larger mortgage generally produces a higher monthly repayment and a greater total amount of interest.
Rate
Interest rate
The interest rate can materially affect both the monthly cost and the total interest paid over the term.
Term
Mortgage term
A longer term may reduce the monthly repayment but can increase the total interest paid over the life of the mortgage.
Important assumptions
An illustration, not a mortgage quote.
01
The calculation assumes a capital-and-interest repayment mortgage.
02
The interest rate is assumed to remain unchanged for the full mortgage term.
03
Product fees, arrangement fees, valuation costs, legal costs and other charges are not included.
04
The calculation does not assess whether a lender would consider the mortgage affordable.
05
Actual repayments can change if the interest rate, mortgage balance, term or product changes.
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Other mortgage calculators.
Important information
This calculator is for general information and illustration only. It does not constitute personal financial advice, a mortgage recommendation, an affordability assessment or an offer of lending. Mortgage availability and suitability depend on individual circumstances and lender criteria.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or other loan secured upon it.
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