Mortgage Calculator

Estimate your monthly repayment across different rates and terms.

Property price (£) Deposit (%) Annual interest rate (%) Loan term (years) Repayment method

Your repayment method drives both monthly cash flow and total cost. UK owner-occupier mortgages are usually Repayment — you pay down capital and interest each month, clearing the loan by term end, with lower total interest. Buy-to-let is often Interest-only — lighter monthly payments and more capital flexibility, with the principal repaid on maturity, refinance or sale. The difference in monthly and lifetime cost is significant — choose based on your purpose and plan.

Monthly repayment—

Loan amount—

Total repaid—

Total interest—

This calculator estimates both Repayment and Interest-only methods and is for reference only. Actual rates, loan-to-value, terms and method are set by the lender (overseas-buyer and Buy-to-let terms differ). Please consult a professional mortgage adviser.