Use this calculator to estimate monthly mortgage repayments, total interest, and key borrowing figures from the values you enter.
Inputs
This topic also has a deeper guide and a printable reference pack, so you can move from the live answer into the method, assumptions, and worked examples without leaving the topic cluster.
These are the main values the calculator uses. Keep the units consistent and, where relevant, match the assumptions explained in the related guide.
Unit: GBP
Enter the total property price before the deposit is removed.
Unit: GBP
Use the upfront deposit so the calculator can derive the actual loan amount.
Unit: %
Enter the assumed annual mortgage rate for the repayment estimate.
Unit: years
Set the repayment term in years.
Use this page when you want a quick repayment mortgage estimate from property price, deposit, rate, and term before you compare specific products.
The main figure is the estimated monthly repayment. Supporting figures show the loan amount, loan-to-value ratio, and total interest across the full term.
If a property costs 350,000 and the deposit is 70,000, the borrowing is 280,000 and the calculator estimates the monthly payment from that loan balance, the interest rate, and the term.
That makes it easy to compare how a larger deposit or shorter term changes the cost.
This page assumes a fully amortising fixed-rate mortgage for the full term. It does not model product fees, temporary teaser rates, remortgaging, overpayments, or lender affordability checks.
No. It is a planning tool. Lenders may use different fees, product structures, stress tests, and eligibility criteria.
Loan-to-value helps you see how much of the property value is being borrowed, which often affects the range of mortgage products available.
Calculate a fixed-payment loan from the amount borrowed, rate, and term, using only the values you enter.
Project compounded growth from a starting balance, contribution schedule, rate, and compounding frequency using only the values you enter.
Calculate return on investment from the starting cost and final value you enter, with the result shown as a simple percentage return.
Discount a future amount back to today's terms using the annual rate and time period you enter.