Estimate a UK repayment mortgage payment from property price, deposit, rate, term, and monthly fees, with loan amount, LTV, and total interest.
£240,000 at 5.2% for 25 years
This is UK repayment payment math only. It leaves out affordability checks, credit review, product fees you do not enter, stamp duty or local land tax, valuation, survey, solicitor costs, insurance, leasehold charges, interest-only loans, and rate changes.
Estimate a UK repayment mortgage payment from property price, deposit, rate, and term.
See loan amount and loan-to-value before comparing deposit sizes.
Compare term length and interest-rate assumptions before a lender quote.
Add a simple monthly fee when you want it included in the payment estimate.
About £1,431.12 per month, £240,000 loan, 80% LTV, and about £189,337.09 interest
About £1,612.18 total per month and 70.59% LTV
About £1,634.17 per month and about £94,150.04 interest
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Plain-language answers about when to use the estimate, what your numbers mean, what is left out, and how privacy works.
Use it when you want to test the exact inputs on this page: Estimate a UK repayment mortgage payment from property price, deposit, rate, and term. See loan amount and loan-to-value before comparing deposit sizes. The result is a check against your assumptions, not proof that a lender, tax app, broker, platform, or provider will use the same number.
Property price means the price of the home before deposit, stamp duty, legal fees, surveys, insurance, or moving costs. Deposit means cash put toward the property price; the calculator subtracts it to get the mortgage loan amount. Interest rate means the annual rate used for the repayment estimate, entered as a percent such as 5.2 for 5.2%. Mortgage term means how many years the repayment is spread over. A longer term usually lowers the payment but raises total interest. Monthly fees means optional recurring fees you want included in the monthly total, not one-off product, legal, survey, or stamp duty costs.
Yes. It estimates a capital-and-interest repayment mortgage. Each monthly payment is treated as paying interest and reducing the loan balance. It is not an interest-only mortgage calculator.
No. UK lenders still look at income, outgoings, credit history, deposit, property details, and whether payments would stay affordable if rates changed. This page only checks the payment math.
No. Stamp Duty Land Tax, Land and Buildings Transaction Tax, and Land Transaction Tax depend on location, buyer status, and property details. Use official calculators before treating the cash needed as final.
Loan-to-value compares the mortgage loan with the property price. A £240,000 loan on a £300,000 property is 80% LTV. LTV can affect the deals a lender offers, but this calculator does not approve a deal.
In plain language: The calculator subtracts the deposit from the property price, converts the annual rate to a monthly rate, applies the fixed repayment mortgage formula, then adds any monthly fees entered. Loan amount = property price - deposit. Monthly repayment uses the fixed-payment formula on the loan amount, monthly rate, and payment count. Total monthly payment then adds the monthly fee field.
Read monthly repayment, total monthly payment, loan amount, LTV, and total interest together. A lower monthly payment can still mean more interest if the term is longer.
This does not include lender affordability checks, credit scoring, product fees unless you enter them, stamp duty, valuation, survey, solicitor costs, insurance, leasehold charges, rate changes, or interest-only mortgages. This is not a UK affordability check, mortgage illustration, or advice. It leaves out stamp duty, legal fees, surveys, insurance, product fees you do not enter, leasehold charges, rate changes, and lender rules.
Check the interest rate, term, deposit, and whether a fee is monthly or one-off before copying the result. Then compare it with a lender illustration or mortgage offer.
Yes for payment math, as long as you enter the property price, deposit, rate, and term you want to test. It does not check first-time buyer stamp duty relief, mortgage offers, or local tax rules.
A shorter term spreads the same loan across fewer payments, so each payment is higher. Because the balance falls faster, the total interest is usually lower if the rate is the same.
No. The calculator runs in your browser tab. Recent answers stay only on the page while you use it, and they are not sent to a server.