Mortgage Calculator
See what your mortgage will actually cost — month by month and in total
Your mortgage is almost certainly the largest financial commitment you'll ever make. This tool shows you the monthly payment — but also the total interest you'll pay over the full term, what different rate changes would cost you, and how the interest-to-principal ratio shifts over time.
Property & Loan Details
£
£
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Remortgaging? Enter your remaining mortgage balance as the purchase price and £0 as the deposit — this gives you the correct payment on your current debt. To stress-test a rate change at renewal, enter your balance and compare the current rate vs the rate your new deal would offer. The rate comparison tool in results shows exactly how much your monthly payment changes.
Monthly Payment
£0
Capital + Interest
Loan Amount
£0
LTV: —
£0Total Interest
£0Total Repaid
£0If Rates Rise +2%
0%LTV Ratio
Principal vs. Interest Breakdown
Outstanding Balance Over Time
£0Effective Annual Saving (Overpay £200)
£0 salaryIncome Needed (est.)
💡A lower LTV gives you access to better mortgage rates. Aim for under 75% for the most competitive deals.