Mortgage Calculator UK

Use this free UK mortgage calculator to estimate repayment mortgage payment, loan amount, loan-to-value, total interest, and monthly fees.

All tools

Formula steps Estimate limits shown Examples included Private history

Property priceDepositInterest rate (%)Mortgage term (years)Monthly fees

Estimated monthly repayment£1,431.12

£240,000 at 5.2% for 25 years

Loan amount: £240,000.00
Loan-to-value: 80%
Total interest: £189,337.09
Monthly fees: £0.00

This does not include stamp duty, arrangement fees, valuation fees, insurance, or affordability checks.

Formula steps

Subtract deposit from property price.
Use a repayment mortgage formula to estimate monthly principal and interest.
Add any monthly fee entered.

How to use the mortgage calculator uk

Enter the requested dollar amounts, rates, terms, tax settings, or contribution details.
Use rates as percentages, such as 6.5 for 6.5%, and check whether a field asks for a monthly or annual amount.
Press the calculate button to see the answer, supporting metrics, and formula steps.
Use the result as a planning estimate only, then copy it if the assumptions look right.

Common uses

Estimate monthly repayment on a UK mortgage scenario.

See loan-to-value from price and deposit.

Compare term length and interest rate assumptions.

Add simple monthly product fees.

Examples

25-year mortgage 300,000 property, 60,000 deposit, 5.2%

Monthly repayment estimate

Higher deposit 425,000 property with 125,000 deposit

Lower LTV estimate

Shorter term 15-year repayment scenario

Higher payment, lower interest

Frequently asked questions

Plain-language answers about when to use the estimate, what your numbers mean, what is left out, and how privacy works.

When should I use the Mortgage Calculator UK?

Use it for early planning and side-by-side comparisons, especially for tasks like these: Estimate monthly repayment on a UK mortgage scenario. See loan-to-value from price and deposit. Treat the answer as a planning estimate, not a final quote.

What is the Mortgage Calculator UK doing with my numbers?

In plain language: The calculator subtracts deposit from property price, applies a repayment mortgage formula to the loan amount, then adds monthly fees entered. If the result seems too high or too low, first check whether each field expects a monthly amount, annual amount, dollar value, or percent.

What does this estimate leave out?

This does not include stamp duty, arrangement fees, valuation fees, insurance, product rules, interest-only mortgages, or lender affordability checks. Real finance decisions can also depend on fees, timing, local rules, credit details, and provider-specific terms.

Does the site save my finance inputs?

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.