Mortgage calculator
Explore repayments and see how your mortgage could evolve.
Deposit: £30,000 · LTV: 90.0%
Total Price: £300,000
Deposit: £30,000
Loan Amount: £270,000 · LTV: 90.0%
Monthly payment (month 1): £1,500.75
Total Interest Paid (over term): £180,224.31
Total Paid During Term: £450,224.31
Estimated balance at term end: £0
Ideal household income: £64,832.30/year · £5,402.69/month
This is an illustrative calculator using your inputs. It does not include lender fees, stamp duty, product fees, insurance, broker fees, or individual affordability checks, and is not mortgage advice.
Want to save and compare scenarios?
Sign up to save multiple mortgage calculations and track them over time.
Estimate monthly repayments, total interest and the effect of changing your deposit, rate, term and overpayment assumptions.
What it includes
The calculator models repayment, interest-only and split mortgage structures, then shows a year-by-year amortisation view when you choose to display the graph.
- House price and deposit percentage
- Interest rate and mortgage term
- Repayment type and split interest-only share
- Optional monthly overpayment
What to compare
Small changes to the interest rate, term or overpayment can make a large difference to total interest. Use several scenarios before deciding what feels affordable.
Common questions
Does this include lender fees or stamp duty?
No. It focuses on repayments and interest. You should add fees, stamp duty, insurance, maintenance and moving costs separately when planning a purchase.
Can I save mortgage scenarios?
Signed-in users can save mortgage samples and compare them later with their wider household plan.
Related tools