Mortgage Calculator UK

Home price (£)

Deposit

Mortgage term (years)

Interest rate (% per year)

Mortgage type

Start month

Optional costs & overpayments

Council tax (£/year)

Home insurance (£/year)

Mortgage insurance (£/year)

Other costs (£/year)

Monthly overpayment (£)

One-off payment (£)

One-off payment month

Arrangement fee (£)

Fee treatment

The monthly overpayment starts in month 1. Optional costs are estimates and are not added to mortgage principal.

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Results

Monthly mortgage payment—Repayment mortgage

Loan amount—

Monthly total incl. costs—

Interest-only equivalent—

Total interest—

Total mortgage paid—

Balance at end—

Deposit / LTV—

Mortgage payoff—

Mortgage cost breakdown

—

Principal Interest

Balance over time

Payment breakdown

Item	Monthly equivalent	Total

Amortisation schedule

Show

Period	Payment	Principal	Interest	Extra	Balance

Illustrative monthly calculation using the annual interest rate divided by 12, with payments at month-end. UK lenders may use daily interest, different payment dates, introductory rates, fees and early repayment charges. Interest-only mortgages retain the principal until separately repaid; affordability and lender eligibility are not assessed. Stamp Duty Land Tax, LBTT and LTT are not included.