UK Mortgage Calculator

Calculate monthly mortgage repayments, interest costs and total mortgage amount. Simple, accurate results in seconds — completely free to use.

UK Mortgage Calculator

Estimate your monthly mortgage repayments and total interest based on property value, deposit, interest rate, and term.

Additional Options

Estimates only — for guidance; not financial advice.

Ready
Monthly Payment £0.00
Total Interest £0.00
Total Repayment £0.00
Details Amount (£)
Property Value 0.00
Deposit 0.00
Loan Amount 0.00
Interest Rate 0.00%
Term 0 years
Monthly Payment £0.00

 

Mortgage Examples

These examples show typical UK mortgage repayment scenarios. To compare other financial tools, you can also try our Loan Calculator or Income Tax Calculator.

£150,000 Mortgage

Interest rate: 4% · Term: 25 years

  • Monthly payment: ~£792
  • Total paid: £237,600
  • Total interest: £87,600
£250,000 Mortgage

Interest rate: 4.5% · Term: 30 years

  • Monthly payment: ~£1,267
  • Total paid: £456,000
  • Total interest: £206,000
£400,000 Mortgage

Interest rate: 5% · Term: 25 years

  • Monthly payment: ~£2,338
  • Total paid: £701,400
  • Total interest: £301,400

Stamp Duty (SDLT) Information

Stamp Duty is a separate tax you may pay when buying a property in England or Northern Ireland. This mortgage calculator does not include SDLT, but you can calculate it using our Stamp Duty Calculator.

For official Stamp Duty guidance, visit gov.uk.

Frequently Asked Questions

A repayment mortgage pays off both interest and capital. An interest-only mortgage only pays interest — the balance stays the same until the end. To compare repayment methods, you may also use our Loan Calculator.

Yes — they use the standard UK mortgage amortisation formula. Exact costs may vary if your lender has fees or changing interest rates. For general mortgage rules, refer to the official UK guidance at gov.uk.

This UK Mortgage Calculator estimates monthly payments, total interest and full amortisation. It supports repayment and interest-only mortgages for any property price or deposit size. You can also explore related tools such as the Income Tax Calculator, Loan Calculator or Small Business Tax Calculator.